A: Yes. Many UAE banks lend to non-resident investors, usually with a larger down payment than residents. We will compare the options available for your profile.

A: Yes, some banks offer finance for off-plan properties, typically with a lower loan-to-value than for ready homes. Many buyers also use handover finance to fund the final payment on completion. We will advise on the best route for your project.

A: It depends on your income, existing commitments, residency status and the property value. In the UAE, total monthly debt repayments are generally capped at a percentage of your income, and banks set maximum loan-to-value limits. Use our calculator for an estimate, then speak to an advisor for an accurate figure.

A: A flat rate charges interest on the full original loan amount for the whole term. A reducing rate charges interest only on the outstanding balance, so the interest falls as you repay. Most home loans use a reducing rate.

A: Yes. Indian banks and housing finance companies offer home loans to NRIs for residential property in India. The amount depends on your overseas income and the property value. Our NRI Help Desk handles the paperwork remotely.

A: Pre-approval can often be issued within a few days once documents are submitted. The full process, from application to final offer and transfer, usually takes a few weeks, depending on the bank and the property.

A: Banks usually require life insurance linked to the loan and property insurance for the home. Your advisor will explain the specific requirements of each bank.