Off-plan mortgage
- Registration fee
- AED 5,000
- Preferred Access down payment
- 20% minimum
- Bank partners
- Your choice — none named by Emaar
Off-plan mortgage
An off-plan mortgage brings a bank's financing directly into the buying process for an Emaar off-plan property — from registering your interest to registering the mortgage itself.
Emaar is redefining the home ownership journey across its off-plan residences. By partnering with leading financial institutions across the UAE, mortgage solutions are integrated directly into the home buying process for off-plan residential properties.
01 — How it works
Five steps from interest to mortgage.
The exact steps and timing depend on your bank and on the property, but every Emaar off-plan mortgage follows this shape.
- Register your interest. Do this online during a project launch, or at any Emaar Sales Centre. Where a launch offers it, you may also opt into the Emaar Preferred Access Programme at this stage.
- Choose a finance solution. Emaar's finance solutions cover off-plan properties, near-handover properties, and equity release or loan against an existing property — arranged with a bank or financial institution of your choice, under conventional or Islamic financing structures.
- Pay your down payment and sign. Under the Preferred Access Programme this is a minimum of 20% of the property value. Your Sale Agreement follows, typically within 21–40 days of an off-plan launch purchase.
- Register the mortgage with Emaar. Once your bank confirms financing, the mortgage is registered with Emaar for a nominal fee, and Emaar issues an undertaking to protect the bank's interest in the property. Registration must also be completed with the Dubai Land Department, and the process typically takes 10 working days.
- Clear the mortgage before you transfer. If you later sell or transfer a mortgaged property, you will need a clearance letter from your financier confirming all dues are settled.
02 — Eligibility & finance
Who it's for, and how it's financed.
Finance solutions
- Off-plan properties
- Near-handover properties
- Equity release / loan against property
Eligibility
- International resident buyers
- UAE nationals
- Salaried and self-employed customers
- Conventional and Islamic financing structures
Emaar's own registration form asks for a "Preferred Bank Partner" but does not publish the names of any partner bank or financial institution, so none are named here. You may nominate any bank or financial institution when you register your interest.
03 — Fees & terms
What it actually costs.
Every figure below is Emaar's own, as stated in its published FAQ and Preferred Access Programme terms.
- AED 5,000
- Mortgage registration fee — a nominal, one-time charge to register a mortgage against an Emaar property, covering administrative costs.Emaar Properties FAQ — Mortgages, as published September 2026
- AED 3,000
- Lost-contract reissue fee — charged to reissue a Sale Agreement after a police report or notarised affidavit confirms the loss.Emaar Properties FAQ — Contracts, as published September 2026
- 20%
- Minimum down payment required at the time of purchase under the Emaar Preferred Access Programme, or higher at Emaar's discretion.Emaar Preferred Access Programme terms, as published September 2026
- 50%
- Share of the purchase price that must be paid before a Preferred Access property can be transferred or resold.Emaar Preferred Access Programme terms, as published September 2026
04 — FAQs
Mortgages, answered.
What is a Mortgage?
A mortgage is a type of loan where the borrower pledges the title/property documents to real estate as collateral for a loan. In the event the borrower fails to repay the loan on time, the lender has the legal right to foreclose on the property and sell it to recover the outstanding debt/loan.
Why Do I Need to Register the Mortgage of My Property with Emaar Properties?
Emaar Properties registers the mortgage over any of its properties upon the purchaser's request to protect the interest of the financing bank. Emaar will also issue an undertaking letter / Consent to Mortgage and Charge / Sale Addendum to this effect. However, Emaar's undertaking expires in the event of completing the title deed registration or full repayment of the loan, whichever is earlier.
When and Where Can I Register a Mortgage with Emaar Properties?
You may visit our Customer Care Centre at Emaar Square, B2, G Level or apply for a request for mortgage registration/discharge via E-services available on the Emaar App or Emaar website.
Why Do I Need to Pay a Mortgage Registration Fee?
A nominal fee of AED 5,000 is charged for registration of the mortgage with Emaar to cover all administrative costs. Emaar also provides an undertaking to the Bank / Financial Institution to protect the interest of the Bank / Financial Institution in the mortgaged property.
Do I need to register my mortgage at the Land Department as well?
Yes, registering your mortgage with the Dubai Land Department is mandatory.
How long does it take to process the mortgage registration or discharge?
The mortgage registration or discharge process typically takes 10 working days to complete.
Can I transfer my property if it is mortgaged?
The Purchaser will have to provide a clearance letter from the financier regarding settlement of all dues towards the property to initiate the transfer.
What happens if I lose my Sale Agreement?
You will need to visit the Contracts Helpdesk and sign an indemnity form. You must also submit a police report, or an affidavit notarized by a public notary explaining the loss. After verifying the authenticity of your request, a new Sale Agreement will be issued upon payment of a nominal fee of AED 3,000.
Answers above are Emaar's own FAQ text. For anything specific to your own financing, contact Emaar directly rather than relying on this page alone.