Golden Visa on a Mortgaged Property
Can I get the UAE Golden Visa with a mortgaged property?
Yes. A property bought with a bank loan qualifies for the 10-year Golden Visa, as long as its recorded value reaches AED 2,000,000. The threshold is measured against the property's value, not your equity, and since the 2025–26 update there is no upfront-payment requirement.
- ✓A property bought with a mortgage qualifies for the 10-year Golden Visa.
- ✓The qualifying figure is the property's recorded value of AED 2,000,000, not the equity you hold or the amount you have paid down.
- ✓Since the 2025–26 update, there is no upfront-payment or minimum-equity requirement.
- ✓You can combine up to three properties to reach the AED 2,000,000 threshold.
Value, not equity
A common misunderstanding is that you must own AED 2,000,000 outright. The rule is set against the property's recorded value. A property valued at or above AED 2,000,000 can qualify even when a bank holds a large share of it. What matters is the recorded valuation. See how it is set on the valuation page.
Other property routes
Buying under construction instead? See the off-plan route. For the full picture, including combining properties and emirate differences, start at the main property route.
Working out the numbers on a financed purchase? The UAE mortgage calculator estimates your monthly repayment, Debt Burden Ratio, and total upfront cash, including the DLD transfer and mortgage registration fees.
Source: UAE Government portal (u.ae) — Golden visa · last verified 2026-07-09
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Find Golden Visa propertiesFrequently Asked Questions
Can I get the UAE Golden Visa on a mortgaged property?
Yes. A mortgaged property qualifies for the 10-year Golden Visa, based on the property's recorded value reaching AED 2,000,000.
Does the AED 2 million apply to the property value or my equity?
It applies to the property's recorded value, not your equity or the amount paid down. A property valued at AED 2,000,000 qualifies even if a large part of it is financed by the bank.
Do I need to pay off part of the mortgage first?
No. Since the 2025–26 update, the previous requirement to pay 50% or AED 1,000,000 upfront was removed, so there is no minimum-equity or upfront-payment condition.