Finance · Dubai Silicon Oasis

Getting a Mortgage in Dubai Silicon Oasis

Deposit rules, rates and lender criteria for financing a Dubai Silicon Oasis property as a resident or non-resident.

Price per sqft

AED 1,000 per sqft

1-bed rent

AED 55,000/yr

Gross yield

8–9%

Short-let occupancy

60%

Deposit and rates

Expat residents put down 20% on properties under AED 5M, non-residents typically 40–50%. Fixed rates in 2026 sit in the 3.9–4.9% range for 1–5 year terms. On a AED 780,000 unit in Dubai Silicon Oasis that means a deposit from roughly a fifth of the price plus costs.

Pre-approval first

Get pre-approval before viewing in Dubai Silicon Oasis. It takes 3–5 days, is valid 60–90 days, and gives you the leverage to close quickly on the units that actually move.

Dubai Silicon Oasis at a glance

Dubai Silicon Oasis is a tech free-zone community offering the lowest cost per square foot in mainland Dubai. Buying sits at AED 1,000 per sqft — roughly AED 780,000 for a standard one-bedroom — while long-term tenants pay about AED 55,000 a year. Hosted as a licensed holiday home, the same unit averages AED 316 a night at 60% occupancy, around AED 69,204 gross. Owners on our managed programme average AED 95,502 — a 38% uplift.

Frequently asked questions

Can non-residents get a mortgage for Dubai Silicon Oasis property?

Yes — a smaller pool of banks lend to non-residents, usually at 40–50% down and slightly higher rates.

What is the maximum mortgage term?

25 years, up to age 65 for salaried buyers and 70 for self-employed.