Скачать или смотреть How to Secure a Mortgage in Dubai | 2025 Approval Process Explained | Katerina Tsareva

How to Get a Mortgage in the UAE (2025 Update) – Step-by-Step Guide!

Are you planning to buy property in Dubai or the UAE but not sure about the mortgage process? In this exclusive podcast, mortgage expert Daria Baranova , CEO of Purple Roof Mortgage Brokerage, breaks down everything you need to know—from eligibility criteria to required documents, down payments, and insider tips!

🔹 Key Topics Covered:
✅ Pre-approval Process – How to boost your chances of approval
✅ Salary Requirements – Minimum AED 10,000 vs. AED 15,000+ (what banks really want!)
✅ Documents Needed – For salaried, self-employed, and non-resident buyers
✅ Loan Limits – How much can you borrow with a AED 20K salary?
✅ Down Payments – 20% vs. 30% vs. 40% (new 2025 rules explained!)
✅ Credit Score Impact – What’s the minimum score for approval?
✅ Investors & High-Net-Worth Individuals – Can you get a mortgage without a fixed salary?
✅ Joint Applications – Can you buy with your spouse?
✅ Selling a Mortgaged Property – What are the rules?

📌 Who is this for?
✔️ First-time buyers in Dubai/UAE
✔️ Expats & non-residents investing in UAE real estate
✔️ Self-employed professionals & business owners
✔️ Investors with multiple properties

0:00 Introduction
0:35 - Whats are the key steps in securing mortgage in UAE
2:25 - Salaried employees
4:16 - Whats the process for non residents
5:29 - Any nationalities restrictions for getting a mortgage in UAE
5:44 - Age limit
6:18 - How to understand what's amount amount you can get?
7:40 - how evaluation works
9:14 - how credit score impact eligibility?
10:22 - How networth individuals can get a mortgage
11:37 - Can a person get a second mortgage
12:30 - Can a person buy property with a spouse
13:08 - Can the mortgaged property be sold?
13:41 - Early settlement
14:24 - Can you get a mortgage on off plan property
15:54 - best mortgage options and rates available in UAE
17:43 fix rates vs variable rates
19:02 - Islamic mortgage vs conventional mortgage
19:50 What happens if client cannot continue paying the mortgage
21:54 - refinancing
24:34 - Additional charges associated with mortgage
26:24 - is the insurance mandatory?
28:40 - Whats the criteria for business owners to get a mortgage
31:40 - Why do you need a mortgage broker?
34:16 - How long does the whole process take?
36:23 - Final advice

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