Access for foreigners in the United Arab Emirates for real estate investment, where both residents and non-residents can obtain a mortgage to finance the purchase of real estate, including modular homes, through your qualified mortgage broker. How to obtain a mortgage in Dubai for residents and non-residents? It is possible to obtain a mortgage in Dubai, whether you are a resident or not, although the terms are generally more favorable for holders of an Emirati identity card. Here is a complete guide: Eligibility criteria Residents: Down payment: Generally starting at 20%. Income requirements: Minimum monthly income between $3,300 and $4,100. The monthly repayment must not exceed 50% of the borrower's income. Maximum term: Up to 25 years or until the applicant reaches age 65 for employees and age 70 for entrepreneurs. Non-residents: Down payment: Generally 50%, but some banks may finance up to 50% of the property value, particularly for properties exceeding AED 5 million. Nationality: Must be a citizen of a country on the bank's list of eligible countries. Professional status: Both salaried employees and self-employed individuals are eligible to apply. Proof of stable income is required. Age requirements: You must be at least 21 years old. The loan term generally does not exceed age 65 for employees and age 70 for self-employed individuals. Income requirements: Specific to each bank; for example, ADCB requires a minimum monthly income of AED 15,000 (after tax). Required Documents Residents: For employees: Employer information and proof of income for the last six months. For contractors: Audit reports for the past year and bank statements for the last six months. Non-residents: Proof of identity: Valid passport. Bank statements: For the last three to six months. Additional documents: May include pay stubs, salary certificates, tax returns, business license, and financial statements. Are you a real estate developer, a large industrial construction company, a business owner, or a construction contractor who experienced difficulties during the COVID-19 pandemic but failed due to rising material costs, labor shortages, or are you the chief accountant of a company in financial crisis and need funding from a credit broker with registration number 8658873? Today, these unfinished projects are competing for funding with the ambitious new-build loan applications of established developers. Do you need funds to start your own business or finance your project? I am a certified private investor broker on behalf of Riza Kosar, a German and Swiss national, who finances various types of funds and investments across multiple sectors in collaboration with HSBC Bank and First Credit Boston Switzerland in areas such as: Development: From residential to commercial, we can help you bring your vision to life. Acquisition: Need financing to secure a valuable asset? We can provide the necessary capital. Financing: Get the funds you need for your ongoing operations and expansion. Equity Investment: Partner with us to fuel your growth and unlock new opportunities. Hotels and Multi-Family Buildings: We have experience investing in profitable real estate projects. * **Infrastructure:** Contribute to the development of essential infrastructure projects. * **Business Finance:** Access the capital your business needs to thrive and innovate. * **Energy:** Invest in sustainable energy solutions and the automotive industry. Are you looking for investment loans and financing for your photovoltaic and wind power projects? * **Other Viable Projects:** We are open to exploring new opportunities. We offer financing from €10,000 (CHF, £) to €100 billion (CHF, £) at a 2% interest rate for anyone able to repay. Contact us now: RizaFund-investment@outlook.com Riza Kosar