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Sharjah Mortgage Pre-Approval
Instant calculation based on UAE Central Bank regulations. Get your personalized mortgage eligibility report.
CBUAE Compliant Calculations
Your Details
AED
AED
Pre-Approval Results
Enter your details and click calculate
to see your mortgage eligibility
Maximum Property Price
AED 0
Based on your income & DBR limit
Maximum Mortgage Amount
AED 0
0% LTV
Required Down Payment
AED 0
0% of property value
Est. Monthly Payment
AED 0
At 4.5% interest rate
Your DBR
0%
Max allowed: 50%
Additional Costs (Transfer + Fees)
AED 0
~5% of property value
Recommended Banks for Mortgage
Emirates NBD
ADCB
Dubai Islamic Bank
Mashreq Bank
FAB (First Abu Dhabi)
HSBC UAE
Standard Chartered
RAK Bank
UAE Central Bank Mortgage Regulations
UAE Nationals - LTV Limits
First Property ≤ AED 5M
85%
First Property > AED 5M
75%
Second/Investment Property
65%
Off-Plan Property
50%
Expatriates - LTV Limits
First Property ≤ AED 5M
80%
First Property > AED 5M
70%
Second/Investment Property
60%
Off-Plan Property
50%
Key Requirements
Max Debt Burden Ratio
50%
Max Loan Tenure
25 Years
Max Financing (UAE)
8x Annual Income
Max Financing (Expat)
7x Annual Income
Additional Costs - Sharjah (2025)
Transfer Fee (Sharjah)
2%
Broker Commission
2%
Mortgage Registration
0.25%
Valuation/Admin Fees
~AED 5,000
