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Property investors

Can You Get a Golden Visa With a Mortgaged Property?

A mortgage does not rule you out. Your own equity, the value minus what you still owe, needs to reach AED 2 million.

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Can You Get a Golden Visa With a Mortgaged Property?

How the equity is worked out

Example: a home valued at AED 5 million with AED 2.5 million still owed gives AED 2.5 million equity, which can qualify. A home valued at AED 3 million with AED 1.5 million owed gives AED 1.5 million, which does not.

Documents

  • Real Estate Unit Value Certificate
  • Bank letter showing the outstanding amount
  • Search certificate showing the property is not under seizure

Note

Rules and fees change. Treat this guide as general information and confirm your own case with us or the competent authority before you act.

Frequently asked questions

Does the bank need to be in the UAE?

Mortgages are generally with UAE banks; we check your lender’s documents.

Can I refinance later?

Speak to us first: a new mortgage changes your equity.

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