Loan-to-Value (LTV) in UAE – Complete Guide

Loan-to-Value (LTV) is one of the most important concepts when applying for a mortgage in the UAE. It directly affects how much you can borrow and how much down payment you need.

Loan-to-Value (LTV) is the percentage of a propertys value that a bank is willing to finance.

???? Formula:
LTV = (Loan Amount Property Value) 100

Example:
If a property is worth AED 1,000,000 and the bank gives you AED 800,000 loan
Your LTV = 80% and your down payment = 20%