Wallary
Handover Q3 2026from AED 3 300 000

Mortgage for South Bay 3 by Dubai South Developers

You can finance a apartment in Dubai South Developers's South Bay 3 before it completes — matching a bank across 20+ lenders. Handover is set for Q3 2026, so now is a good time to lock in your terms.

TIME TO HANDOVER
The closer the handover, the better the entry: distressed sellers and mortgage leverage on the final share.

South Bay 3 is a Dubai South Developers development in Dubai South. A price from AED 3.3M qualifies you for the Golden Visa. At Wallary we handle the whole deal — calculating your payment, comparing bank offers and taking it through to your keys.

Dubai South DevelopersSouth Bay 3 · Dubai SouthApartment
South Bay 3
GALLERY

South Bay 3 — property photos

Photos from the Behomes platform. Click to enlarge.

CALCULATOR SOUTH BAY 3

Your payment for South Bay 3

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Your status
Property valueAED
Down payment · 20%AED
Rate3,99%
Term25 years
Monthly payment
13 920AED / mo
Loan amount2 640 000 AED
Min. income for approval27 841 AED
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This estimate is illustrative. Exact terms come in your credit report based on your documents.

FACTS

South Bay 3at a glance

DeveloperDubai South Developers
DistrictDubai South
TypeApartment
Price fromAED 3 300 000
HandoverQ3 2026
Down paymentfrom 20% resident / 40% non-resident
Golden Visafrom AED 2M property
WHAT YOU PAY

Your payment for South Bay 3

At handover you finance part of the price with a mortgage. Payment at 3.99% fixed for 3 years, 25-year term.

You buy out 50% with mortgage
AED 1 650 000
Payment/mo
8 700
You buy out 60% with mortgage
AED 1 980 000
Payment/mo
10 440
You buy out 80% with mortgage
AED 2 640 000
Payment/mo
13 920
WHY NOW

Why buying before handover pays off

By handover, a developer payment plan requires most of the price up front — usually 40–50%. A mortgage covers that instalment and turns a large sum into a comfortable monthly payment. It pays to get pre-approved early: approval lasts up to 12 months and the rate can be locked before completion.

For South Bay 3 we'll match a bank across 20+ lenders — comparing rates, LTV and terms to find the best fit for your profile, resident or non-resident.
Keep your capital
3.99% rate for 3 years
Enter at a distress price
WALLARY

Request a calculation for South Bay 3

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FAQ

South Bay 3questions

Can I get a mortgage on South Bay 3?+

Yes. South Bay 3 is under construction and financing is available before handover. We'll help you apply and secure pre-approval.

Which bank finances South Bay 3?+

There's no single partner bank here, so we'll match the best option across 20+ banks.

How much do I need to put down?+

For an off-plan unit the bank finances up to 50%; the rest is your down payment. We'll calculate the exact figure for your case.

Does the purchase qualify for the Golden Visa?+

Yes. A price from AED 3.3M clears the AED 2M threshold, so it qualifies for the 10-year Golden Visa. We handle the visa too.

When is handover and why apply now?+

Completion is set for Q3 2026. It's worth getting approved early: approval lasts up to 12 months and the rate can be locked before handover.

Do you work with non-residents?+

Yes. Non-resident financing is typically 50–60% of the price — we'll match a bank that approves your profile.

Considering an apartment in South Bay 3?

Start with a credit report — we'll show banks, rate and amount for your layout.