Buying a home is a huge financial commitment. For the majority of people in the UAE who wish to buy a property here, it’s often challenging to save for the down payment. However, the reduction of the loan-to-value ratio for first-time homebuyers this year by the Central Bank of the UAE has simplified the process for aspiring property owners.
In March, the central bank issued a decree allowing UAE banks to increase the LTV for first homebuyers by 5 per cent for expatriates and Emiratis. This means that expatriates can borrow up to 80 per cent of the property purchase price with a 20 per cent down payment and UAE nationals up to 85 per cent and a 15 per cent down payment.
Interest rate reductions in the past few months from the US Federal Reserve and subsequently the Central Bank of the UAE have also resulted in attractive mortgage rates.
“With current LTV set at a maximum of 80 per cent for expat first homebuyers and record low interest rates, a down payment of Dh80,000 could fetch a home worth Dh480,000 with monthly mortgage repayments less than Dh2,000,” says Haider Tuaima, head of real estate research at ValuStrat, a real estate consultancy.
Property prices in Dubai have been gradually declining since September 2014, primarily because of an oversupply of units. Sales of homes priced under Dh500,000 comprised 23.9 per cent of the market in August, according to Property Monitor. Sales of homes below Dh1 million made up 52.8 per cent of August transactions.
Mr Tuaima advises homebuyers to negotiate a deal with the seller for the best price. “It’s a buyers’ market and up to 20 per cent price discounts can be achieved. This will help mitigate against purchase and mortgage costs.”
How one expat saved for his down payment
Within the first few months of arriving in the UAE in 2013, Sabarrish Srinivisan and his wife, Kinnari Thakkar, realised that paying rent was not beneficial for their financial futures. They compared paying equated monthly instalments against rent and realised they should buy a property rather than spend their hard-earned money on rent.
“I was in a company where I had good growth opportunities and long-term potential. This job security was crucial in helping me decide that it would be worth getting a property in the UAE,” says Mr Srinivisan, who is a marketing manager with a healthcare and optical retail chain.
Job security was crucial in helping me decide that it would be worth getting a property in the UAE
In 2014, the couple reviewed their lifestyle expenses to save enough for a down payment on their first home in the UAE. They did not buy a car and used the Dubai Metro instead, which resulted in massive savings. The couple also lived in a rented studio for two years and then a one-bedroom apartment for another two years, ensuring that their rent never exceeded 20 per cent of their total income.
"We also set aside the amount of money we would have paid as taxes in our home country in National Bonds and another savings account. We had a policy of never taking any other loans or using the credit card beyond its limit. Four years of dedicated savings and investment allowed us to save enough for the down payment," Mr Srinivisan, 32, tells The National.
In 2017, the couple purchased a two-bedroom apartment worth Dh1.4 million in Dubai Marina. The monthly mortgage instalment, building maintenance cost and insurance costs are equivalent to what they would have paid as rent for the same property, he adds.
Mr Srinivasan recommends aspiring homeowners keep their down payment savings in a short- or mid-term savings account or in National Bonds. “Make a plan and stick to it," he says. "It is very easy to splurge or dip into savings if it is easily available. Put it aside, keep adding on to it and let it grow.”
The homeowner adds that in order to save, you need every family members' support to identify your priorities, as well as writing down all monthly expenses to identify areas where you are wasting money.
Mr Srinivasan also recommends choosing a rental property that is smaller than what you plan to buy, saying it will help you save more and minimise the temptation to buy too much furniture.
“Ensure you have small vacations and other comforts as part of your plan. It is important to make special moments even when on a budget,” he says.
We speak to a number of financial experts, who recommend eight ways to help you save for your down payment and ultimately buy a property in the UAE.
1. Find a good savings account
It’s important to open a savings account. You need to be strict about setting aside a set amount or percentage of your salary every month and depositing it into a dedicated savings account.
“It is worth doing some research into whether there are any favourable savings accounts available. Given the current low interest rate environment, it may be more difficult to find a savings account paying high returns, but there will be some accounts which are more beneficial to you than others,” says Richard Boyd, director at Mortgage Finder.
You could also set up a standing instruction that moves funds from your current account into a separate savings account the moment your salary is credited, says Ambareen Musa, founder and chief executive of Souqalmal.com.
However, Mr Tuaima from ValuStrat says you should be careful to never use these savings for any other purpose than the down payment.
2. Create a monthly budget
Set yourself a monthly budget that will allow you to focus on your financial priorities and keep track of your overall spending.
“Since your home down payment is one of your top priorities, you can dedicate a percentage of your income towards it, based on the amount you need to collect and the timeframe you have to collect it,” Ms Musa says.
3. Review your spending
Scrutinise your spending habits to understand where your money is going, then identify areas where you can easily make changes that will allow you to save more each month. You will have to put unnecessary spending on hold, especially on luxuries and high ticket items.
“You may have to make some cutbacks to ensure you can save the money for a down payment, without spending a lifetime slogging towards it. So, if that means you have to skip your fancy annual vacation or not upgrade your car, you should be willing to do it,” says Ms Musa.
You can also review monthly subscriptions, lower weekly shopping bills or cut down on eating out and reduce regular bills, such as changing your mobile phone package, Mr Boyd recommends.
4. Downsize your rental accommodation
Rent often accounts for the biggest monthly outlay in everyone’s budgets. “If you are currently renting, it could be worth considering downsizing or moving to a cheaper location to reduce your rental costs in the short term while you save towards your down payment,” says Mr Boyd.
5. Pay down existing debt
Get rid of your current debt such as education loans, personal loans and credit card debt. This will not only help free up your income to focus on gathering the funds for a down payment, it will also boost your credit score, lower your debt-burden ratio and ensure your eligibility for home finance in the future, says Ms Musa.
6. Sell unused items
You could sell items in your wardrobe that you no longer use. This could add to your savings pot. Also, consider selling unused larger ticket items, such as cars, furniture and electronics.
“For example, if you have multiple cars in your household, which you may not necessarily need, it could be worth selling one of these and living with less, or even selling and opting to buy a cheaper model if it’s necessary to have multiple vehicles,” says Mr Boyd.
7. Account for the extras and bonuses
If you get a bonus at work, a cash gift from a relative or earn extra money from a side hustle, you could use it to achieve your down payment goal faster. “But that also means you’ll have to resist the temptation to spend it on non-crucial wants,” cautions Ms Musa.
8. Equity release, liquidate investments
Mr Boyd says that people who own property overseas could release equity from it to raise money for their down payment. He adds that if you have invested in stocks and shares, it could also be a good idea to raise cash from these investments as some allow for penalty-free withdrawals.
COMPANY PROFILE
Name: Kumulus Water
Started: 2021
Founders: Iheb Triki and Mohamed Ali Abid
Based: Tunisia
Sector: Water technology
Number of staff: 22
Investment raised: $4 million
Key facilities
- Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
- Premier League-standard football pitch
- 400m Olympic running track
- NBA-spec basketball court with auditorium
- 600-seat auditorium
- Spaces for historical and cultural exploration
- An elevated football field that doubles as a helipad
- Specialist robotics and science laboratories
- AR and VR-enabled learning centres
- Disruption Lab and Research Centre for developing entrepreneurial skills
The team
Photographer: Mateusz Stefanowski at Art Factory
Videographer: Jear Valasquez
Fashion director: Sarah Maisey
Make-up: Gulum Erzincan at Art Factory
Model: Randa at Art Factory Videographer’s assistant: Zanong Magat
Photographer’s assistant: Sophia Shlykova
With thanks to Jubail Mangrove Park, Jubail Island, Abu Dhabi
How has net migration to UK changed?
The figure was broadly flat immediately before the Covid-19 pandemic, standing at 216,000 in the year to June 2018 and 224,000 in the year to June 2019.
It then dropped to an estimated 111,000 in the year to June 2020 when restrictions introduced during the pandemic limited travel and movement.
The total rose to 254,000 in the year to June 2021, followed by steep jumps to 634,000 in the year to June 2022 and 906,000 in the year to June 2023.
The latest available figure of 728,000 for the 12 months to June 2024 suggests levels are starting to decrease.
Results
Stage Two:
1. Mark Cavendish (GBR) QuickStep-AlphaVinyl 04:20:45
2. Jasper Philipsen (BEL) Alpecin-Fenix
3. Pascal Ackermann (GER) UAE Team Emirates
4. Olav Kooij (NED) Jumbo-Visma
5. Arnaud Demare (FRA) Groupama-FDJ
General Classification:
1. Jasper Philipsen (BEL) Alpecin-Fenix 09:03:03
2. Dmitry Strakhov (RUS) Gazprom-Rusvelo 00:00:04
3. Mark Cavendish (GBR) QuickStep-AlphaVinyl 00:00:06
4. Sam Bennett (IRL) Bora-Hansgrohe 00:00:10
5. Pascal Ackermann (GER) UAE Team Emirates 00:00:12
UAE currency: the story behind the money in your pockets
Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
Sholto Byrnes on Myanmar politics
Mohammed bin Zayed Majlis
Our legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
The specs
Engine: 4.0-litre flat-six
Torque: 450Nm at 6,100rpm
Transmission: 7-speed PDK auto or 6-speed manual
Fuel economy, combined: 13.8L/100km
On sale: Available to order now
The specs: 2018 Bentley Bentayga V8
Price, base: Dh853,226
Engine: 4.0-litre twin-turbo V8
Transmission: Eight-speed automatic
Power: 550hp @ 6,000pm
Torque: 770Nm @ 1,960rpm
Fuel economy, combined: 11.4L / 100km
COMPANY%20PROFILE
%3Cp%3E%3Cstrong%3EName%3A%20%3C%2Fstrong%3EShaffra%3Cbr%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3E2023%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EDIFC%20Innovation%20Hub%3Cbr%3E%3Cstrong%3ESector%3A%20%3C%2Fstrong%3Emetaverse-as-a-Service%20(MaaS)%3Cbr%3E%3Cstrong%3EInvestment%3A%20%3C%2Fstrong%3Ecurrently%20closing%20%241.5%20million%20seed%20round%3Cbr%3E%3Cstrong%3EInvestment%20stage%3A%20%3C%2Fstrong%3Epre-seed%3Cbr%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3EFlat6Labs%20Abu%20Dhabi%20and%20different%20PCs%20and%20angel%20investors%20from%20Saudi%20Arabia%3Cbr%3E%3Cstrong%3ENumber%20of%20staff%3A%20%3C%2Fstrong%3Enine%3C%2Fp%3E%0A
LIVERPOOL SQUAD
Alisson Becker, Virgil van Dijk, Georginio Wijnaldum, James Milner, Naby Keita, Roberto Firmino, Sadio Mane, Mohamed Salah, Joe Gomez, Adrian, Jordan Henderson, Alex Oxlade-Chamberlain, Adam Lallana, Andy Lonergan, Xherdan Shaqiri, Andy Robertson, Divock Origi, Curtis Jones, Trent Alexander-Arnold, Neco Williams
Global state-owned investor ranking by size
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Cryopreservation: A timeline
- Keyhole surgery under general anaesthetic
- Ovarian tissue surgically removed
- Tissue processed in a high-tech facility
- Tissue re-implanted at a time of the patient’s choosing
- Full hormone production regained within 4-6 months
'Of Love & War'
Lynsey Addario, Penguin Press
Benefits of first-time home buyers' scheme
- Priority access to new homes from participating developers
- Discounts on sales price of off-plan units
- Flexible payment plans from developers
- Mortgages with better interest rates, faster approval times and reduced fees
- DLD registration fee can be paid through banks or credit cards at zero interest rates
THE BIO
Born: Mukalla, Yemen, 1979
Education: UAE University, Al Ain
Family: Married with two daughters: Asayel, 7, and Sara, 6
Favourite piece of music: Horse Dance by Naseer Shamma
Favourite book: Science and geology
Favourite place to travel to: Washington DC
Best advice you’ve ever been given: If you have a dream, you have to believe it, then you will see it.
Types of fraud
Phishing: Fraudsters send an unsolicited email that appears to be from a financial institution or online retailer. The hoax email requests that you provide sensitive information, often by clicking on to a link leading to a fake website.
Smishing: The SMS equivalent of phishing. Fraudsters falsify the telephone number through “text spoofing,” so that it appears to be a genuine text from the bank.
Vishing: The telephone equivalent of phishing and smishing. Fraudsters may pose as bank staff, police or government officials. They may persuade the consumer to transfer money or divulge personal information.
SIM swap: Fraudsters duplicate the SIM of your mobile number without your knowledge or authorisation, allowing them to conduct financial transactions with your bank.
Identity theft: Someone illegally obtains your confidential information, through various ways, such as theft of your wallet, bank and utility bill statements, computer intrusion and social networks.
Prize scams: Fraudsters claiming to be authorised representatives from well-known organisations (such as Etisalat, du, Dubai Shopping Festival, Expo2020, Lulu Hypermarket etc) contact victims to tell them they have won a cash prize and request them to share confidential banking details to transfer the prize money.
* Nada El Sawy
I Care A Lot
Directed by: J Blakeson
Starring: Rosamund Pike, Peter Dinklage
3/5 stars
Who is Allegra Stratton?
- Previously worked at The Guardian, BBC’s Newsnight programme and ITV News
- Took up a public relations role for Chancellor Rishi Sunak in April 2020
- In October 2020 she was hired to lead No 10’s planned daily televised press briefings
- The idea was later scrapped and she was appointed spokeswoman for Cop26
- Ms Stratton, 41, is married to James Forsyth, the political editor of The Spectator
- She has strong connections to the Conservative establishment
- Mr Sunak served as best man at her 2011 wedding to Mr Forsyth
THREE
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UAE currency: the story behind the money in your pockets
Company%20Profile
%3Cp%3E%3Cstrong%3ECompany%3A%3C%2Fstrong%3E%20Astra%20Tech%3Cbr%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3EMarch%202022%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EDubai%3Cbr%3E%3Cstrong%3EFounder%3A%20%3C%2Fstrong%3EAbdallah%20Abu%20Sheikh%3Cbr%3E%3Cstrong%3EIndustry%3A%3C%2Fstrong%3E%20technology%20investment%20and%20development%3Cbr%3E%3Cstrong%3EFunding%20size%3A%3C%2Fstrong%3E%20%24500m%3C%2Fp%3E%0A
COMPANY%20PROFILE
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FIGHT%20CARD
%3Cp%3EAnthony%20Joshua%20v%20Otto%20Wallin%2C%2012%20rounds%2C%20heavyweight%3C%2Fp%3E%0A%3Cp%3EDeontay%20Wilder%20v%20Joseph%20Parker%2C%2012%20rounds%2C%20heavyweight%3C%2Fp%3E%0A%3Cp%3EDmitry%20Bivol%20v%20Lyndon%20Arthur%2C%2012%20rounds%2C%20light%20heavyweight%3C%2Fp%3E%0A%3Cp%3EDaniel%20Dubois%20v%20Jarrell%20Miller%2C%2012%20rounds%2C%20heavyweight%3C%2Fp%3E%0A%3Cp%3EFilip%20Hrgovic%20v%20Mark%20de%20Mori%2C%2012%20rounds%2C%20heavyweight%C2%A0%3C%2Fp%3E%0A%3Cp%3EArslanbek%20Makhmudov%20v%20Agit%20Kabayel%2C%2012%20rounds%2C%20heavyweight%C2%A0%3C%2Fp%3E%0A%3Cp%3EFrank%20Sanchez%20v%20Junior%20Fa%2C%2012%20rounds%2C%20heavyweight%C2%A0%3C%2Fp%3E%0A%3Cp%3EJai%20Opetaia%20v%20Ellis%20Zorro%2C%2012%20rounds%2C%20cruiserweight%3C%2Fp%3E%0A
Specs
Engine: Duel electric motors
Power: 659hp
Torque: 1075Nm
On sale: Available for pre-order now
Price: On request
UAE currency: the story behind the money in your pockets
ESSENTIALS
The flights
Emirates flies from Dubai to Phnom Penh via Yangon from Dh2,700 return including taxes. Cambodia Bayon Airlines and Cambodia Angkor Air offer return flights from Phnom Penh to Siem Reap from Dh250 return including taxes. The flight takes about 45 minutes.
The hotels
Rooms at the Raffles Le Royal in Phnom Penh cost from $225 (Dh826) per night including taxes. Rooms at the Grand Hotel d'Angkor cost from $261 (Dh960) per night including taxes.
The tours
A cyclo architecture tour of Phnom Penh costs from $20 (Dh75) per person for about three hours, with Khmer Architecture Tours. Tailor-made tours of all of Cambodia, or sites like Angkor alone, can be arranged by About Asia Travel. Emirates Holidays also offers packages.
ALRAWABI%20SCHOOL%20FOR%20GIRLS
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Gothia Cup 2025
4,872 matches
1,942 teams
116 pitches
76 nations
26 UAE teams
15 Lebanese teams
2 Kuwaiti teams
KINGDOM%20OF%20THE%20PLANET%20OF%20THE%20APES
%3Cp%3E%3Cstrong%3EDirector%3A%3C%2Fstrong%3E%20Wes%20Ball%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%3C%2Fstrong%3E%20Owen%20Teague%2C%20Freya%20Allen%2C%20Kevin%20Durand%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%20%3C%2Fstrong%3E3.5%2F5%3C%2Fp%3E%0A
BIRD%20BOX%20BARCELONA
%3Cp%3E%3Cstrong%3EDirectors%3A%3C%2Fstrong%3E%20David%20and%20Alex%20Pastor%3Cbr%3E%3Cstrong%3EStars%3A%20%3C%2Fstrong%3EGeorgina%20Campbell%2C%20Mario%20Casas%2C%20Diego%20Calva%3Cbr%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%202%2F5%3C%2Fp%3E%0A
Squad: Majed Naser, Abdulaziz Sanqour, Walid Abbas, Khamis Esmail, Habib Fardan, Mohammed Marzouq (Shabab Al Ahli Dubai), Khalid Essa, Muhanad Salem, Mohammed Ahmed, Ismail Ahmed, Ahmed Barman, Amer Abdulrahman, Omar Abdulrahman (Al Ain), Ali Khaseif, Fares Juma, Mohammed Fawzi, Khalfan Mubarak, Mohammed Jamal, Ahmed Al Attas (Al Jazira), Ahmed Rashid, Mohammed Al Akbari (Al Wahda), Tariq Ahmed, Mahmoud Khamis, Khalifa Mubarak, Jassim Yaqoub (Al Nasr), Ali Salmeen (Al Wasl), Yousef Saeed (Sharjah), Suhail Al Nubi (Baniyas)
BIGGEST CYBER SECURITY INCIDENTS IN RECENT TIMES
SolarWinds supply chain attack: Came to light in December 2020 but had taken root for several months, compromising major tech companies, governments and its entities
Microsoft Exchange server exploitation: March 2021; attackers used a vulnerability to steal emails
Kaseya attack: July 2021; ransomware hit perpetrated REvil, resulting in severe downtime for more than 1,000 companies
Log4j breach: December 2021; attackers exploited the Java-written code to inflitrate businesses and governments
Indoor cricket in a nutshell
Indoor cricket in a nutshell
Indoor Cricket World Cup - Sept 16-20, Insportz, Dubai
16 Indoor cricket matches are 16 overs per side
8 There are eight players per team
9 There have been nine Indoor Cricket World Cups for men. Australia have won every one.
5 Five runs are deducted from the score when a wickets falls
4 Batsmen bat in pairs, facing four overs per partnership
Scoring In indoor cricket, runs are scored by way of both physical and bonus runs. Physical runs are scored by both batsmen completing a run from one crease to the other. Bonus runs are scored when the ball hits a net in different zones, but only when at least one physical run is score.
Zones
A Front net, behind the striker and wicketkeeper: 0 runs
B Side nets, between the striker and halfway down the pitch: 1 run
C Side nets between halfway and the bowlers end: 2 runs
D Back net: 4 runs on the bounce, 6 runs on the full
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The specs
Engine: 6.2-litre V8
Power: 502hp at 7,600rpm
Torque: 637Nm at 5,150rpm
Transmission: 8-speed dual-clutch auto
Price: from Dh317,671
On sale: now
Napoleon
%3Cp%3E%3Cstrong%3EDirector%3C%2Fstrong%3E%3A%20Ridley%20Scott%3Cbr%3E%3Cstrong%3EStars%3C%2Fstrong%3E%3A%20Joaquin%20Phoenix%2C%20Vanessa%20Kirby%2C%20Tahar%20Rahim%3Cbr%3E%3Cstrong%3ERating%3C%2Fstrong%3E%3A%202%2F5%3Cbr%3E%3Cbr%3E%3C%2Fp%3E%0A
Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
F1 The Movie
Starring: Brad Pitt, Damson Idris, Kerry Condon, Javier Bardem
Director: Joseph Kosinski
Rating: 4/5
