A plot or land loan is a financing facility used to purchase land in the UAE, typically for construction, development or long-term investment. Several UAE banks and financial institutions offer plot and land loans to individuals and businesses. Terms vary by lender, but most require a down payment in the region of 25–30% of the purchase price.
Interest rates also vary by lender and product. Both fixed and variable rate options are available, with tenures that differ across institutions. When applying, you'll need to share standard documents such as proof of income, identification and the land details. The lender will also commission a valuation to confirm the market value of the plot before approval.
Plot and land loans can be a useful financing route for individuals and businesses planning to invest in or develop their own property. As with any mortgage, weigh the terms carefully before committing.
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