How to get a mortgage in Dubai and what documents do I need for it?

Step 1: Choose the right bank and loan offer

Step 2: Pre-qualify and submit an application

Step 3: Documentation

• Copy of passport with valid resident visa
• Copy of Emirates ID
• Last 3-6 months of bank statements
• Salary certificate from employer or proof of employment
• Last 3-6 months of pay stubs (pay slips)
• Sales Purchase Agreement (SPA) or Reservation Agreement
• Copy of the property title (Title Deed) or confirmation of ownership from the developer
• Proof of address of residence (e.g., utility bill, bank statement)

Step 4: Evaluation and approval process

1. Credit score
2. Property Appraisal
3. Credit approval

Step 5: Sign the loan agreement and disburse the funds