Episode 8: Golden Visa Update & Mortgage Market Analysis

Welcome to Episode 8 of Dubai Daily - your comprehensive guide to Golden Visa requirements and current mortgage rates. **GOLDEN VISA UPDATE (NOVEMBER 2025):** 🏆 **Current Requirements:** - AED 2M minimum investment for 10-year visa - No minimum down payment (eliminated Jan 24, 2024) - Total property value of AED 2M+ qualifies ✅ **Off-Plan Properties Eligible:** - Project must be 50%+ complete - Buyer must have paid 50%+ OR secured bank guarantee 💰 **Mortgaged Properties Eligible:** - Requires bank No-Objection Certificate (NOC) - AED 2M paid-up equity required - Leverage financing while qualifying 👥 **Joint Ownership & Multiple Properties:** - Joint ownership permitted (couples/partners) - Combine multiple properties to reach AED 2M - Current valuations considered (not original purchase price) - DLD official appraisers conduct valuations **MORTGAGE RATES (NOVEMBER 2025):** 📉 **CBUAE Base Rate:** - Lowered to 3.90% (Oct 29, 2025) - Favorable lending environment 📊 **EIBOR Rates (Nov 3-4, 2025):** - 1 Month: 3.967% - 3 Months: 3.581% - 6 Months: 3.694% - 12 Months: 3.744% 🏦 **Current Mortgage Offerings:** - Fixed-rate: 3.75-4.99% - Promotional rates: 2.95-3.15% (select borrowers) - Variable-rate: ~4.5% - Emirates NBD: From 7.15% p.a. (reducing rate) **Fixed vs Variable:** - Fixed: Constant rate 3-5 years, then links to base rate - Variable: Fluctuates with market, may start lower **Rate Factors:** - Loan-to-Value (LTV) ratio - Credit score - Loan tenure - Property type - Bank competition **Top Lenders:** Emirates NBD, HSBC UAE, ADCB, FAB, RAKBANK, Mashreq Bank **RECENT MARKET ACTIVITY:** 📈 **Last Week of October 2025:** - AED 20.57B in transactions - 4,461 sales - Sales transactions: AED 16.76B 📊 **Year-to-Date (through October):** - AED 559B in property sales - Surpassed entire 2024 record (AED 522.1B) **INVESTOR TAKEAWAY:** Flexible Golden Visa + competitive mortgage rates = compelling investment environment. No down payment requirement + off-plan/mortgaged eligibility = greater market flexibility. Hosted by Parag Kundalwal, Founder & CEO of Consultaa.

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