حاسبة التمويل العقاري: الدفعة الأولى والقسط الشهري

القواعد التي تستند إليها الحاسبة

• For an expat's first home (owner-occupied), the maximum loan-to-value is 80% if the property is worth AED 5m or less, and 70% if it is worth more than AED 5m.مؤكد من المصدر الرسمي: CBUAE Regulations Regarding Mortgage Loans (Circular 31/2013), as amended by Board Resolution No. 31/2/2020 (effective 8 April 2020), Article 3 (Important Ratios), section 2
• For a UAE national's first home (owner-occupied), the maximum loan-to-value is 85% if the property is worth AED 5m or less, and 75% if it is worth more than AED 5m.مؤكد من المصدر الرسمي: CBUAE Circular 31/2013 as amended by Resolution No. 31/2/2020, Article 3, section 2
• For a second or later home, or an investment property, the maximum loan-to-value is 65% for UAE nationals and 60% for expats, whatever the property value.مؤكد من المصدر الرسمي: CBUAE Circular 31/2013, Article 3, section 2
• For an off-plan property, the maximum loan-to-value is 50%, whatever the purpose, value or buyer category.مؤكد من المصدر الرسمي: CBUAE Circular 31/2013, Article 3, section 2
• A mortgage can run for at most 25 years.مؤكد من المصدر الرسمي: CBUAE Circular 31/2013, Article 3, section 3 (Maximum Term of Loan)
• The 50% of gross salary DBR cap also applies to mortgages. Lenders must also stress-test at 2 to 4 percentage points above current rates.مؤكد من المصدر الرسمي: CBUAE Circular 31/2013, Article 3, section 1
• The fee for settling a home loan early, or partly settling it, is at most 1% of the outstanding balance or AED 10,000, whichever is less.مؤكد من المصدر الرسمي: CBUAE Regulation 29/2011 Appendix 2, as amended by Notice No. 96/By Circulation/2019; Circular 31/2013 Article 4, Appendix No. 2 (Home Loans rows)

نص القواعد بالإنجليزية كما تحققنا منه من المصادر الرسمية.

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