Handover mortgage in Dubai
Your home is completing soon? We finance the final payment, arrange a mortgage on the ready property or refinance the developer plan — and if needed, legally extend the handover so you have time.
Why arrange the mortgage right at handover
At handover the main amount falls due. Options: pay it all in cash, extend the developer plan, or take a mortgage. A mortgage is often smarter: you keep your capital, lock the rate and spread payments up to 25 years. We know which bank finances your specific project and on what terms.
How we help at handover
Up to 80% for residents; the right bank for the project.
Move the balance into a bank mortgage at a better rate.
Catch a good EIBOR moment and fix for 3–5 years.
Running late? We usually extend by up to 6 months so you can arrange financing calmly.
Who it fits
The home is completing, the balance is due.
The developer plan is ending — time to move into a mortgage.
Keep capital and lock the rate in a rising market.
FAQ
What is a handover mortgage?＋
Financing arranged as the property completes, when the main amount is due. You take a mortgage on the ready home instead of paying it all yourself.
Can I refinance the developer plan?＋
Yes. The remaining balance moves into a bank mortgage — often at a lower rate and a longer term.
Can the handover really be extended?＋
Yes — in many cases it can be legally extended, usually by up to 6 months, giving time to arrange the mortgage without rush or penalties.
What down payment for a ready property?＋
Resident — from 20%, non-resident — from 40%. We show your exact figure in the credit report.