Mortgage Guide \u2014 Cosmos Real Estate LLC<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700&family=JetBrains+Mono:wght@400;500&display=swap\" rel=\"stylesheet\">\n<style>\n :root{\n --onyx:#0b0c0e;--charcoal:#1a1c1f;--charcoal-light:#26282c;\n --slate:#585c62;--ash:#9aa0a6;--fog:#e6e7e9;--platinum:#f5f5f4;--white:#ffffff;\n --brass:#a9832e;--brass-deep:#8a6a22;--brass-dim:rgba(169,131,46,0.14);\n --line:rgba(255,255,255,0.10);--line-dark:rgba(11,12,14,0.10);--max:1180px;\n }\n *{box-sizing:border-box;margin:0;padding:0;}\n html{scroll-behavior:smooth;}\n body{font-family:'Inter',sans-serif;background:var(--platinum);color:var(--onyx);-webkit-font-smoothing:antialiased;overflow-x:hidden;}\n img{max-width:100%;display:block;}\n 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(max-width:900px){ .lead-inner{grid-template-columns:1fr;} }\n\n \/* ===== FOOTER ===== *\/\n footer{background:var(--charcoal);color:var(--ash);padding:50px 0 26px;}\n .foot-grid{display:flex;justify-content:space-between;flex-wrap:wrap;gap:30px;padding-bottom:36px;border-bottom:1px solid var(--line);}\n .foot-logo{display:flex;align-items:center;gap:10px;}\n .foot-logo .mark-box{width:30px;height:26px;flex-shrink:0;}\n .foot-logo .name{font-family:'Fraunces',serif;font-size:19px;font-weight:600;color:var(--white);}\n .foot-logo .sub{font-family:'JetBrains Mono',monospace;font-size:9px;letter-spacing:0.2em;color:var(--ash);text-transform:uppercase;margin-top:2px;display:block;}\n .foot-links{display:flex;gap:60px;flex-wrap:wrap;}\n .foot-col h4{font-family:'JetBrains Mono',monospace;font-size:10px;letter-spacing:0.14em;text-transform:uppercase;color:var(--fog);margin-bottom:14px;}\n .foot-col a{display:block;font-size:13px;color:var(--ash);margin-bottom:9px;transition:color .2s ease;}\n .foot-col a:hover{color:var(--brass);}\n .foot-bottom{display:flex;justify-content:space-between;padding-top:22px;font-size:12px;flex-wrap:wrap;gap:10px;}\n ::selection{background:var(--brass);color:var(--white);}\n<\/style>\n<\/head>\n<body>\n\n<header>\n <nav>\n <div class=\"logo\">\n <span class=\"mark-box\">\n <svg class=\"mark-svg\" viewBox=\"0 0 200 140\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"7\" stroke-linejoin=\"round\" stroke-linecap=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n <path d=\"M12 92 L12 60 L25 60 L25 49 L39 37 L53 49 L53 60 L66 60 L66 92\"\/>\n <path d=\"M45 132 L45 68 L62 68 L62 53 L100 22 L138 53 L138 68 L155 68 L155 132\"\/>\n <path d=\"M83 132 L89 82 L111 82 L117 132\"\/>\n <path d=\"M134 92 L134 60 L147 60 L147 49 L161 37 L175 49 L175 60 L188 60 L188 92\"\/>\n <\/svg>\n <\/span>\n <div class=\"txt\">\n <span class=\"name\">Cosmos<\/span>\n <span class=\"sub\">Real Estate LLC \u00b7 Ajman<\/span>\n <\/div>\n <\/div>\n <div class=\"navlinks\">\n <a href=\"\/\">Home<\/a>\n <a href=\"\/?page_id=34\">Team<\/a>\n <a href=\"\/?page_id=66\">Contact Us<\/a>\n <a href=\"\/?page_id=71\" class=\"active\">Mortgage Guide<\/a>\n <a href=\"\/?page_id=76\">Property Management<\/a>\n <\/div>\n <a href=\"#talk\" class=\"nav-cta\">Talk to Us \u2192<\/a>\n <\/nav>\n<\/header>\n\n<section class=\"pagehero\">\n <div class=\"wrap\">\n <span class=\"eyebrow\" style=\"color:var(--ash);\">Financing your purchase<\/span>\n <h1>Understand your <em>mortgage<\/em>, before you sign anything.<\/h1>\n <p>A plain-language walkthrough of how much you can borrow, what it costs on top of the purchase price, and the exact steps from pre-approval to holding a mortgaged title deed in Ajman.<\/p>\n <div class=\"updated\">Reflects UAE Central Bank mortgage regulations & Ajman ARRA fee schedules \u00b7 Last checked August 2026<\/div>\n <\/div>\n<\/section>\n\n<section class=\"ratios\">\n <div class=\"wrap\">\n <div class=\"section-head\">\n <span class=\"eyebrow\" style=\"color:var(--ash);margin-bottom:16px;\">The four numbers that matter<\/span>\n <h2 style=\"color:var(--white);margin-top:16px;\">Every UAE mortgage runs on these limits.<\/h2>\n <p>Set by the Central Bank of the UAE and applied by every licensed bank \u2014 no lender can legally exceed them, no matter your income.<\/p>\n <\/div>\n <div class=\"ratio-grid\">\n <div class=\"ratio-cell\">\n <div class=\"num\">50%<\/div>\n <div class=\"lbl\">Max Debt Burden Ratio (DBR) \u2014 all monthly debt repayments, including the new mortgage, capped at half your gross income<\/div>\n <\/div>\n <div class=\"ratio-cell\">\n <div class=\"num\">25yr<\/div>\n <div class=\"lbl\">Maximum mortgage tenor allowed under Central Bank rules<\/div>\n <\/div>\n <div class=\"ratio-cell\">\n <div class=\"num\">7\u00d7<\/div>\n <div class=\"lbl\">Maximum loan size as a multiple of annual income for expatriates (8\u00d7 for UAE nationals)<\/div>\n <\/div>\n <div class=\"ratio-cell\">\n <div class=\"num\">50%<\/div>\n <div class=\"lbl\">Maximum LTV on any off-plan purchase \u2014 regardless of buyer category or property value<\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<section id=\"ltv\">\n <div class=\"wrap\">\n <div class=\"section-head\">\n <h2>Loan-to-Value (LTV) limits<\/h2>\n <p>How much of the property's value a bank can finance \u2014 the rest is your minimum down payment, funded from your own resources (not another loan or credit card).<\/p>\n <\/div>\n <div class=\"ltv-table\">\n <div class=\"ltv-row head\">\n <div class=\"cell\">Buyer category<\/div>\n <div class=\"cell\">Max LTV<\/div>\n <div class=\"cell\">Min down payment<\/div>\n <\/div>\n\n <div class=\"ltv-row section-label\"><div class=\"cell\">UAE Nationals<\/div><\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">First home, value \u2264 AED 5M<\/div>\n <div class=\"cell\"><b>85%<\/b><\/div>\n <div class=\"cell\">15%<\/div>\n <\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">First home, value > AED 5M<\/div>\n <div class=\"cell\"><b>75%<\/b><\/div>\n <div class=\"cell\">25%<\/div>\n <\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">Second home \/ investment property<\/div>\n <div class=\"cell\"><b>65%<\/b><\/div>\n <div class=\"cell\">35%<\/div>\n <\/div>\n\n <div class=\"ltv-row section-label\"><div class=\"cell\">Expatriates<\/div><\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">First home, value < AED 5M<\/div>\n <div class=\"cell\"><b>80%<\/b><\/div>\n <div class=\"cell\">20%<\/div>\n <\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">First home, value > AED 5M<\/div>\n <div class=\"cell\"><b>70%<\/b><\/div>\n <div class=\"cell\">30%<\/div>\n <\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">Second home \/ investment property<\/div>\n <div class=\"cell\"><b>60%<\/b><\/div>\n <div class=\"cell\">40%<\/div>\n <\/div>\n\n <div class=\"ltv-row section-label\"><div class=\"cell\">All buyers<\/div><\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">Off-plan property (any value, any buyer)<\/div>\n <div class=\"cell\"><b>50%<\/b><\/div>\n <div class=\"cell\">50%<\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<section style=\"padding-top:0;\">\n <div class=\"wrap\">\n <div class=\"note\">\n <b>How your bank actually reads this:<\/b> DBR and LTV apply together, not separately. Your bank stress-tests your repayment at 2\u20134 percentage points above today's rate before approving, so qualifying on paper today doesn't guarantee approval if rates move. Each borrower can only use the \"first home\" LTV category once \u2014 a second Ajman property, even a small one, falls under the lower investment-property cap. Figures above reflect Central Bank of the UAE Regulations Regarding Mortgage Loans, current as of this guide's last review. Always confirm final terms with your bank \u2014 Cosmos does not provide financial advice and can put you in touch with a mortgage advisor for a personal assessment.\n <\/div>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"wrap\">\n <div class=\"section-head\">\n <h2>What it costs beyond the down payment<\/h2>\n <p>Budget 6\u20138% of the purchase price on top of your down payment for a financed property in Ajman.<\/p>\n <\/div>\n <div class=\"cost-table\">\n <div class=\"cost-row\">\n <div class=\"label\">ARRA property registration fee<span>Ajman Real Estate Regulatory Agency \u2014 2% of value (GCC nationals) or 3% (all other nationalities), paid by the buyer<\/span><\/div>\n <div class=\"val\">2\u20133%<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Mortgage registration fee<span>Registering the bank's mortgage against the title, plus a fixed admin charge<\/span><\/div>\n <div class=\"val\">0.25% + AED 290<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Bank arrangement \/ processing fee<span>Charged by the lender for arranging the loan<\/span><\/div>\n <div class=\"val\">0.5\u20131%<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Property valuation fee<span>Independent valuer, required by every bank before approval<\/span><\/div>\n <div class=\"val\">AED 2,500\u20133,500<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Life & property insurance<span>Mandatory on any mortgaged property, billed annually with your installments<\/span><\/div>\n <div class=\"val\">~0.4\u20130.8% \/ yr<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Agent commission<span>Industry-standard brokerage fee<\/span><\/div>\n <div class=\"val\">2% + VAT<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Developer NOC (off-plan only)<span>No-objection certificate to transfer or mortgage an off-plan unit<\/span><\/div>\n <div class=\"val\">AED 500\u20135,000<\/div>\n <\/div>\n <div class=\"cost-total\">\n <span>Typical total, on top of down payment<\/span>\n <b>6\u20138% of property price<\/b>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<section style=\"background:var(--white);border-top:1px solid var(--line-dark);\">\n <div class=\"wrap\">\n <div class=\"section-head\">\n <span class=\"eyebrow\" style=\"margin-bottom:16px;\">The process<\/span>\n <h2 style=\"margin-top:16px;\">From pre-approval to holding your keys.<\/h2>\n <p>Seven steps, start to finish. We walk every Cosmos client through each one and coordinate directly with your bank and the ARRA trustee office.<\/p>\n <\/div>\n <div class=\"steps\">\n <div class=\"step\">\n <span class=\"num\">01<\/span>\n <div>\n <h3>Get pre-approved<\/h3>\n <p>Submit income and ID documents to your bank (or let us shortlist banks for you) to get a conditional mortgage offer. This confirms your real budget before you start viewing \u2014 pre-approvals are typically valid 60\u201390 days.<\/p>\n <span class=\"tag\">1\u20135 working days<\/span>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">02<\/span>\n <div>\n <h3>Find the property & sign the MOU<\/h3>\n <p>Once you've chosen a property with Cosmos, you and the seller sign a Memorandum of Understanding (Form F) and you pay a reservation deposit \u2014 usually 10% of the price, held until transfer.<\/p>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">03<\/span>\n <div>\n <h3>Bank valuation<\/h3>\n <p>The bank instructs an independent valuer to assess the property. Your final loan amount is based on the lower of the valuation or the agreed sale price \u2014 not always the same number.<\/p>\n <span class=\"tag\">3\u20137 working days<\/span>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">04<\/span>\n <div>\n <h3>Final mortgage offer<\/h3>\n <p>With the valuation back, the bank issues a final offer letter confirming loan amount, rate, and tenor. Review it carefully \u2014 this is the document you're signing on.<\/p>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">05<\/span>\n <div>\n <h3>Developer NOC (if applicable)<\/h3>\n <p>For off-plan or developer-registered units, a No-Objection Certificate confirms there are no outstanding service charges or restrictions before the property can be transferred or mortgaged.<\/p>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">06<\/span>\n <div>\n <h3>Transfer & registration at ARRA<\/h3>\n <p>Buyer, seller, and the bank's representative meet at the Ajman Real Estate Regulatory Agency trustee office. The remaining balance and fees are settled, the mortgage is registered against the title in the same appointment, and the seller receives payment.<\/p>\n <span class=\"tag\">Single appointment<\/span>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">07<\/span>\n <div>\n <h3>Receive your title deed<\/h3>\n <p>You walk away with a mortgaged title deed in your name and a fixed monthly repayment schedule. Cosmos stays on record as your point of contact for anything that comes up after handover.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<section class=\"lead-band\" id=\"talk\">\n <div class=\"wrap\">\n <span class=\"eyebrow\" style=\"color:var(--ash);margin-bottom:16px;\">Talk it through<\/span>\n <h2 style=\"max-width:600px;\">Not sure where you'd land on these numbers?<\/h2>\n <div class=\"lead-inner\">\n <div>\n <p>Send us your situation \u2014 property budget, nationality, and whether it's a first home or investment \u2014 and we'll map out realistic LTV, DBR, and total upfront cost before you commit to anything.<\/p>\n <div style=\"display:flex;gap:14px;flex-wrap:wrap;\">\n <a href=\"https:\/\/wa.me\/971558021042?text=Hi%20Cosmos%2C%20I%27d%20like%20mortgage%20guidance.\" target=\"_blank\" class=\"btn btn-primary\">WhatsApp Us<\/a>\n <a href=\"tel:+97165233524\" class=\"btn btn-ghost\">Call the Office<\/a>\n <\/div>\n <\/div>\n <div class=\"contact-card\">\n <div class=\"row\"><span>Office<\/span><span>Al Ameera Village, Bldg A5,<br>Shop G02, Al Yasmeen, Ajman<\/span><\/div>\n <div class=\"row\"><span>Landline<\/span><span>+971 6 523 3524<\/span><\/div>\n <div class=\"row\"><span>WhatsApp<\/span><span>+971 55 802 1042<\/span><\/div>\n <div class=\"row\"><span>Email<\/span><span>info@cosmosrealestatellc.com<\/span><\/div>\n <div class=\"row\"><span>License<\/span><span>DED Ajman No. 52657<\/span><\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<footer>\n <div class=\"wrap\">\n <div class=\"foot-grid\">\n <div class=\"foot-logo\">\n <span class=\"mark-box\">\n <svg class=\"mark-svg\" viewBox=\"0 0 200 140\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"7\" stroke-linejoin=\"round\" stroke-linecap=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n <path d=\"M12 92 L12 60 L25 60 L25 49 L39 37 L53 49 L53 60 L66 60 L66 92\"\/>\n <path d=\"M45 132 L45 68 L62 68 L62 53 L100 22 L138 53 L138 68 L155 68 L155 132\"\/>\n <path d=\"M83 132 L89 82 L111 82 L117 132\"\/>\n <path d=\"M134 92 L134 60 L147 60 L147 49 L161 37 L175 49 L175 60 L188 60 L188 92\"\/>\n <\/svg>\n <\/span>\n <div>\n <span class=\"name\">Cosmos<\/span>\n <span class=\"sub\">Real Estate LLC \u00b7 Ajman<\/span>\n <\/div>\n <\/div>\n <div class=\"foot-links\">\n <div class=\"foot-col\">\n <h4>Company<\/h4>\n <a href=\"\/\">Home<\/a>\n <a href=\"\/?page_id=34\">Team \/ About Us<\/a>\n <a href=\"\/?page_id=66\">Contact Us<\/a>\n <\/div>\n <div class=\"foot-col\">\n <h4>Services<\/h4>\n <a href=\"#\">Mortgage Guide<\/a>\n <a href=\"\/?page_id=76\">Property Management<\/a>\n <a href=\"\/#services\">Sales & Leasing<\/a>\n <\/div>\n <div class=\"foot-col\">\n <h4>Coverage<\/h4>\n <a href=\"\/#regions\">Ajman<\/a>\n <a href=\"\/#regions\">Sharjah<\/a>\n <a href=\"\/#regions\">Dubai<\/a>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"foot-bottom\" style=\"flex-direction:column;align-items:flex-start;gap:6px;padding-top:22px;\">\n <span>Al Ameera Village, Building A5, Shop No. G02, Al Yasmeen, Ajman, UAE<\/span>\n <span>DED Ajman Trade License No. 52657 \u00b7 Commercial Registry No. 45153<\/span>\n <\/div>\n <div class=\"foot-bottom\">\n <span>\u00a9 2026 Cosmos Real Estate LLC. All rights reserved.<\/span>\n <span>cosmosrealestatellc.com<\/span>\n <\/div>\n <\/div>\n<\/footer>\n\n<\/body>\n<\/html>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mortgage Guide \u2014 Cosmos Real Estate LLC Cosmos Real Estate LLC \u00b7 Ajman Home Team Contact Us Mortgage Guide Property Management Talk to Us \u2192 Financing your purchase Understand your mortgage, before you sign anything. A plain-language walkthrough of how much you can borrow, what it costs on top of the purchase price, and the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-71","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/pages\/71","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=71"}],"version-history":[{"count":10,"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/pages\/71\/revisions"}],"predecessor-version":[{"id":101,"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/pages\/71\/revisions\/101"}],"wp:attachment":[{"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=71"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

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\n\t\t\t\t\t\n\n\n\n\nMortgage Guide \u2014 Cosmos Real Estate LLC<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700&family=JetBrains+Mono:wght@400;500&display=swap\" rel=\"stylesheet\">\n<style>\n :root{\n --onyx:#0b0c0e;--charcoal:#1a1c1f;--charcoal-light:#26282c;\n --slate:#585c62;--ash:#9aa0a6;--fog:#e6e7e9;--platinum:#f5f5f4;--white:#ffffff;\n --brass:#a9832e;--brass-deep:#8a6a22;--brass-dim:rgba(169,131,46,0.14);\n --line:rgba(255,255,255,0.10);--line-dark:rgba(11,12,14,0.10);--max:1180px;\n }\n *{box-sizing:border-box;margin:0;padding:0;}\n html{scroll-behavior:smooth;}\n body{font-family:'Inter',sans-serif;background:var(--platinum);color:var(--onyx);-webkit-font-smoothing:antialiased;overflow-x:hidden;}\n img{max-width:100%;display:block;}\n a{text-decoration:none;color:inherit;}\n .wrap{max-width:var(--max);margin:0 auto;padding:0 32px;}\n .eyebrow{font-family:'JetBrains Mono',monospace;font-size:11px;letter-spacing:0.16em;text-transform:uppercase;color:var(--ash);display:flex;align-items:center;gap:10px;}\n .eyebrow::before{content:\"\";width:22px;height:1px;background:var(--brass);display:inline-block;}\n h1,h2,h3{font-family:'Fraunces',serif;font-weight:600;line-height:1.05;letter-spacing:-0.01em;}\n .mark-svg{width:100%;height:100%;display:block;color:var(--white);}\n\n \/* ===== NAV ===== *\/\n header{position:sticky;top:0;z-index:50;background:rgba(11,12,14,0.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);}\n nav{max-width:var(--max);margin:0 auto;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;}\n .logo{display:flex;align-items:center;gap:12px;line-height:1;color:var(--white);}\n .logo 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.pagehero{background:var(--onyx);color:var(--white);padding:88px 0 70px;}\n .pagehero h1{font-size:clamp(40px,6vw,64px);margin:18px 0 20px;font-weight:500;}\n .pagehero h1 em{font-style:normal;color:var(--brass);}\n .pagehero p{font-size:16px;line-height:1.65;color:var(--fog);max-width:600px;}\n .pagehero .updated{font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--ash);margin-top:22px;letter-spacing:0.02em;}\n\n section{padding:90px 0;}\n .section-head{margin-bottom:44px;max-width:680px;}\n .section-head h2{font-size:clamp(28px,3.6vw,38px);margin-bottom:14px;}\n .section-head p{color:var(--slate);font-size:14.5px;line-height:1.7;}\n\n .btn{display:inline-flex;align-items:center;gap:8px;padding:15px 26px;font-size:13px;letter-spacing:0.03em;font-family:'JetBrains Mono',monospace;font-weight:500;border-radius:2px;transition:background .2s ease, border-color .2s ease, color .2s ease;}\n .btn-primary{background:var(--brass);color:var(--white);}\n 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b{color:var(--brass);}\n\n \/* ===== NOTE \/ DISCLAIMER ===== *\/\n .note{background:var(--brass-dim);border:1px solid rgba(169,131,46,0.3);border-radius:6px;padding:22px 26px;font-size:13px;color:var(--charcoal);line-height:1.7;}\n .note b{color:var(--brass-deep);}\n\n \/* ===== LEAD BAND ===== *\/\n .lead-band{background:var(--onyx);color:var(--white);padding:90px 0;}\n .lead-inner{display:grid;grid-template-columns:1.2fr 1fr;gap:50px;align-items:center;}\n .lead-band h2{font-size:clamp(30px,4vw,44px);color:var(--white);margin-bottom:16px;font-weight:600;}\n .lead-band p{color:var(--ash);font-size:14px;line-height:1.65;max-width:440px;margin-bottom:26px;}\n .contact-card{background:var(--charcoal);border:1px solid var(--line);border-radius:6px;padding:28px;}\n .contact-card .row{display:flex;justify-content:space-between;padding:14px 0;border-bottom:1px solid var(--line);font-size:13px;gap:16px;}\n .contact-card .row:last-child{border-bottom:none;}\n .contact-card .row span:first-child{color:var(--ash);}\n .contact-card .row span:last-child{color:var(--white);font-family:'JetBrains Mono',monospace;font-size:12px;text-align:right;}\n @media (max-width:900px){ .lead-inner{grid-template-columns:1fr;} }\n\n \/* ===== FOOTER ===== *\/\n footer{background:var(--charcoal);color:var(--ash);padding:50px 0 26px;}\n .foot-grid{display:flex;justify-content:space-between;flex-wrap:wrap;gap:30px;padding-bottom:36px;border-bottom:1px solid var(--line);}\n .foot-logo{display:flex;align-items:center;gap:10px;}\n .foot-logo .mark-box{width:30px;height:26px;flex-shrink:0;}\n .foot-logo .name{font-family:'Fraunces',serif;font-size:19px;font-weight:600;color:var(--white);}\n .foot-logo .sub{font-family:'JetBrains Mono',monospace;font-size:9px;letter-spacing:0.2em;color:var(--ash);text-transform:uppercase;margin-top:2px;display:block;}\n .foot-links{display:flex;gap:60px;flex-wrap:wrap;}\n .foot-col h4{font-family:'JetBrains Mono',monospace;font-size:10px;letter-spacing:0.14em;text-transform:uppercase;color:var(--fog);margin-bottom:14px;}\n .foot-col a{display:block;font-size:13px;color:var(--ash);margin-bottom:9px;transition:color .2s ease;}\n .foot-col a:hover{color:var(--brass);}\n .foot-bottom{display:flex;justify-content:space-between;padding-top:22px;font-size:12px;flex-wrap:wrap;gap:10px;}\n ::selection{background:var(--brass);color:var(--white);}\n<\/style>\n<\/head>\n<body>\n\n<header>\n <nav>\n <div class=\"logo\">\n <span class=\"mark-box\">\n <svg class=\"mark-svg\" viewBox=\"0 0 200 140\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"7\" stroke-linejoin=\"round\" stroke-linecap=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n <path d=\"M12 92 L12 60 L25 60 L25 49 L39 37 L53 49 L53 60 L66 60 L66 92\"\/>\n <path d=\"M45 132 L45 68 L62 68 L62 53 L100 22 L138 53 L138 68 L155 68 L155 132\"\/>\n <path d=\"M83 132 L89 82 L111 82 L117 132\"\/>\n <path d=\"M134 92 L134 60 L147 60 L147 49 L161 37 L175 49 L175 60 L188 60 L188 92\"\/>\n <\/svg>\n <\/span>\n <div class=\"txt\">\n <span class=\"name\">Cosmos<\/span>\n <span class=\"sub\">Real Estate LLC \u00b7 Ajman<\/span>\n <\/div>\n <\/div>\n <div class=\"navlinks\">\n <a href=\"\/\">Home<\/a>\n <a href=\"\/?page_id=34\">Team<\/a>\n <a href=\"\/?page_id=66\">Contact Us<\/a>\n <a href=\"\/?page_id=71\" class=\"active\">Mortgage Guide<\/a>\n <a href=\"\/?page_id=76\">Property Management<\/a>\n <\/div>\n <a href=\"#talk\" class=\"nav-cta\">Talk to Us \u2192<\/a>\n <\/nav>\n<\/header>\n\n<section class=\"pagehero\">\n <div class=\"wrap\">\n <span class=\"eyebrow\" style=\"color:var(--ash);\">Financing your purchase<\/span>\n <h1>Understand your <em>mortgage<\/em>, before you sign anything.<\/h1>\n <p>A plain-language walkthrough of how much you can borrow, what it costs on top of the purchase price, and the exact steps from pre-approval to holding a mortgaged title deed in Ajman.<\/p>\n <div class=\"updated\">Reflects UAE Central Bank mortgage regulations & Ajman ARRA fee schedules \u00b7 Last checked August 2026<\/div>\n <\/div>\n<\/section>\n\n<section class=\"ratios\">\n <div class=\"wrap\">\n <div class=\"section-head\">\n <span class=\"eyebrow\" style=\"color:var(--ash);margin-bottom:16px;\">The four numbers that matter<\/span>\n <h2 style=\"color:var(--white);margin-top:16px;\">Every UAE mortgage runs on these limits.<\/h2>\n <p>Set by the Central Bank of the UAE and applied by every licensed bank \u2014 no lender can legally exceed them, no matter your income.<\/p>\n <\/div>\n <div class=\"ratio-grid\">\n <div class=\"ratio-cell\">\n <div class=\"num\">50%<\/div>\n <div class=\"lbl\">Max Debt Burden Ratio (DBR) \u2014 all monthly debt repayments, including the new mortgage, capped at half your gross income<\/div>\n <\/div>\n <div class=\"ratio-cell\">\n <div class=\"num\">25yr<\/div>\n <div class=\"lbl\">Maximum mortgage tenor allowed under Central Bank rules<\/div>\n <\/div>\n <div class=\"ratio-cell\">\n <div class=\"num\">7\u00d7<\/div>\n <div class=\"lbl\">Maximum loan size as a multiple of annual income for expatriates (8\u00d7 for UAE nationals)<\/div>\n <\/div>\n <div class=\"ratio-cell\">\n <div class=\"num\">50%<\/div>\n <div class=\"lbl\">Maximum LTV on any off-plan purchase \u2014 regardless of buyer category or property value<\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<section id=\"ltv\">\n <div class=\"wrap\">\n <div class=\"section-head\">\n <h2>Loan-to-Value (LTV) limits<\/h2>\n <p>How much of the property's value a bank can finance \u2014 the rest is your minimum down payment, funded from your own resources (not another loan or credit card).<\/p>\n <\/div>\n <div class=\"ltv-table\">\n <div class=\"ltv-row head\">\n <div class=\"cell\">Buyer category<\/div>\n <div class=\"cell\">Max LTV<\/div>\n <div class=\"cell\">Min down payment<\/div>\n <\/div>\n\n <div class=\"ltv-row section-label\"><div class=\"cell\">UAE Nationals<\/div><\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">First home, value \u2264 AED 5M<\/div>\n <div class=\"cell\"><b>85%<\/b><\/div>\n <div class=\"cell\">15%<\/div>\n <\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">First home, value > AED 5M<\/div>\n <div class=\"cell\"><b>75%<\/b><\/div>\n <div class=\"cell\">25%<\/div>\n <\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">Second home \/ investment property<\/div>\n <div class=\"cell\"><b>65%<\/b><\/div>\n <div class=\"cell\">35%<\/div>\n <\/div>\n\n <div class=\"ltv-row section-label\"><div class=\"cell\">Expatriates<\/div><\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">First home, value < AED 5M<\/div>\n <div class=\"cell\"><b>80%<\/b><\/div>\n <div class=\"cell\">20%<\/div>\n <\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">First home, value > AED 5M<\/div>\n <div class=\"cell\"><b>70%<\/b><\/div>\n <div class=\"cell\">30%<\/div>\n <\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">Second home \/ investment property<\/div>\n <div class=\"cell\"><b>60%<\/b><\/div>\n <div class=\"cell\">40%<\/div>\n <\/div>\n\n <div class=\"ltv-row section-label\"><div class=\"cell\">All buyers<\/div><\/div>\n <div class=\"ltv-row\">\n <div class=\"cell\">Off-plan property (any value, any buyer)<\/div>\n <div class=\"cell\"><b>50%<\/b><\/div>\n <div class=\"cell\">50%<\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<section style=\"padding-top:0;\">\n <div class=\"wrap\">\n <div class=\"note\">\n <b>How your bank actually reads this:<\/b> DBR and LTV apply together, not separately. Your bank stress-tests your repayment at 2\u20134 percentage points above today's rate before approving, so qualifying on paper today doesn't guarantee approval if rates move. Each borrower can only use the \"first home\" LTV category once \u2014 a second Ajman property, even a small one, falls under the lower investment-property cap. Figures above reflect Central Bank of the UAE Regulations Regarding Mortgage Loans, current as of this guide's last review. Always confirm final terms with your bank \u2014 Cosmos does not provide financial advice and can put you in touch with a mortgage advisor for a personal assessment.\n <\/div>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"wrap\">\n <div class=\"section-head\">\n <h2>What it costs beyond the down payment<\/h2>\n <p>Budget 6\u20138% of the purchase price on top of your down payment for a financed property in Ajman.<\/p>\n <\/div>\n <div class=\"cost-table\">\n <div class=\"cost-row\">\n <div class=\"label\">ARRA property registration fee<span>Ajman Real Estate Regulatory Agency \u2014 2% of value (GCC nationals) or 3% (all other nationalities), paid by the buyer<\/span><\/div>\n <div class=\"val\">2\u20133%<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Mortgage registration fee<span>Registering the bank's mortgage against the title, plus a fixed admin charge<\/span><\/div>\n <div class=\"val\">0.25% + AED 290<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Bank arrangement \/ processing fee<span>Charged by the lender for arranging the loan<\/span><\/div>\n <div class=\"val\">0.5\u20131%<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Property valuation fee<span>Independent valuer, required by every bank before approval<\/span><\/div>\n <div class=\"val\">AED 2,500\u20133,500<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Life & property insurance<span>Mandatory on any mortgaged property, billed annually with your installments<\/span><\/div>\n <div class=\"val\">~0.4\u20130.8% \/ yr<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Agent commission<span>Industry-standard brokerage fee<\/span><\/div>\n <div class=\"val\">2% + VAT<\/div>\n <\/div>\n <div class=\"cost-row\">\n <div class=\"label\">Developer NOC (off-plan only)<span>No-objection certificate to transfer or mortgage an off-plan unit<\/span><\/div>\n <div class=\"val\">AED 500\u20135,000<\/div>\n <\/div>\n <div class=\"cost-total\">\n <span>Typical total, on top of down payment<\/span>\n <b>6\u20138% of property price<\/b>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<section style=\"background:var(--white);border-top:1px solid var(--line-dark);\">\n <div class=\"wrap\">\n <div class=\"section-head\">\n <span class=\"eyebrow\" style=\"margin-bottom:16px;\">The process<\/span>\n <h2 style=\"margin-top:16px;\">From pre-approval to holding your keys.<\/h2>\n <p>Seven steps, start to finish. We walk every Cosmos client through each one and coordinate directly with your bank and the ARRA trustee office.<\/p>\n <\/div>\n <div class=\"steps\">\n <div class=\"step\">\n <span class=\"num\">01<\/span>\n <div>\n <h3>Get pre-approved<\/h3>\n <p>Submit income and ID documents to your bank (or let us shortlist banks for you) to get a conditional mortgage offer. This confirms your real budget before you start viewing \u2014 pre-approvals are typically valid 60\u201390 days.<\/p>\n <span class=\"tag\">1\u20135 working days<\/span>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">02<\/span>\n <div>\n <h3>Find the property & sign the MOU<\/h3>\n <p>Once you've chosen a property with Cosmos, you and the seller sign a Memorandum of Understanding (Form F) and you pay a reservation deposit \u2014 usually 10% of the price, held until transfer.<\/p>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">03<\/span>\n <div>\n <h3>Bank valuation<\/h3>\n <p>The bank instructs an independent valuer to assess the property. Your final loan amount is based on the lower of the valuation or the agreed sale price \u2014 not always the same number.<\/p>\n <span class=\"tag\">3\u20137 working days<\/span>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">04<\/span>\n <div>\n <h3>Final mortgage offer<\/h3>\n <p>With the valuation back, the bank issues a final offer letter confirming loan amount, rate, and tenor. Review it carefully \u2014 this is the document you're signing on.<\/p>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">05<\/span>\n <div>\n <h3>Developer NOC (if applicable)<\/h3>\n <p>For off-plan or developer-registered units, a No-Objection Certificate confirms there are no outstanding service charges or restrictions before the property can be transferred or mortgaged.<\/p>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">06<\/span>\n <div>\n <h3>Transfer & registration at ARRA<\/h3>\n <p>Buyer, seller, and the bank's representative meet at the Ajman Real Estate Regulatory Agency trustee office. The remaining balance and fees are settled, the mortgage is registered against the title in the same appointment, and the seller receives payment.<\/p>\n <span class=\"tag\">Single appointment<\/span>\n <\/div>\n <\/div>\n <div class=\"step\">\n <span class=\"num\">07<\/span>\n <div>\n <h3>Receive your title deed<\/h3>\n <p>You walk away with a mortgaged title deed in your name and a fixed monthly repayment schedule. Cosmos stays on record as your point of contact for anything that comes up after handover.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<section class=\"lead-band\" id=\"talk\">\n <div class=\"wrap\">\n <span class=\"eyebrow\" style=\"color:var(--ash);margin-bottom:16px;\">Talk it through<\/span>\n <h2 style=\"max-width:600px;\">Not sure where you'd land on these numbers?<\/h2>\n <div class=\"lead-inner\">\n <div>\n <p>Send us your situation \u2014 property budget, nationality, and whether it's a first home or investment \u2014 and we'll map out realistic LTV, DBR, and total upfront cost before you commit to anything.<\/p>\n <div style=\"display:flex;gap:14px;flex-wrap:wrap;\">\n <a href=\"https:\/\/wa.me\/971558021042?text=Hi%20Cosmos%2C%20I%27d%20like%20mortgage%20guidance.\" target=\"_blank\" class=\"btn btn-primary\">WhatsApp Us<\/a>\n <a href=\"tel:+97165233524\" class=\"btn btn-ghost\">Call the Office<\/a>\n <\/div>\n <\/div>\n <div class=\"contact-card\">\n <div class=\"row\"><span>Office<\/span><span>Al Ameera Village, Bldg A5,<br>Shop G02, Al Yasmeen, Ajman<\/span><\/div>\n <div class=\"row\"><span>Landline<\/span><span>+971 6 523 3524<\/span><\/div>\n <div class=\"row\"><span>WhatsApp<\/span><span>+971 55 802 1042<\/span><\/div>\n <div class=\"row\"><span>Email<\/span><span>info@cosmosrealestatellc.com<\/span><\/div>\n <div class=\"row\"><span>License<\/span><span>DED Ajman No. 52657<\/span><\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<footer>\n <div class=\"wrap\">\n <div class=\"foot-grid\">\n <div class=\"foot-logo\">\n <span class=\"mark-box\">\n <svg class=\"mark-svg\" viewBox=\"0 0 200 140\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"7\" stroke-linejoin=\"round\" stroke-linecap=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n <path d=\"M12 92 L12 60 L25 60 L25 49 L39 37 L53 49 L53 60 L66 60 L66 92\"\/>\n <path d=\"M45 132 L45 68 L62 68 L62 53 L100 22 L138 53 L138 68 L155 68 L155 132\"\/>\n <path d=\"M83 132 L89 82 L111 82 L117 132\"\/>\n <path d=\"M134 92 L134 60 L147 60 L147 49 L161 37 L175 49 L175 60 L188 60 L188 92\"\/>\n <\/svg>\n <\/span>\n <div>\n <span class=\"name\">Cosmos<\/span>\n <span class=\"sub\">Real Estate LLC \u00b7 Ajman<\/span>\n <\/div>\n <\/div>\n <div class=\"foot-links\">\n <div class=\"foot-col\">\n <h4>Company<\/h4>\n <a href=\"\/\">Home<\/a>\n <a href=\"\/?page_id=34\">Team \/ About Us<\/a>\n <a href=\"\/?page_id=66\">Contact Us<\/a>\n <\/div>\n <div class=\"foot-col\">\n <h4>Services<\/h4>\n <a href=\"#\">Mortgage Guide<\/a>\n <a href=\"\/?page_id=76\">Property Management<\/a>\n <a href=\"\/#services\">Sales & Leasing<\/a>\n <\/div>\n <div class=\"foot-col\">\n <h4>Coverage<\/h4>\n <a href=\"\/#regions\">Ajman<\/a>\n <a href=\"\/#regions\">Sharjah<\/a>\n <a href=\"\/#regions\">Dubai<\/a>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"foot-bottom\" style=\"flex-direction:column;align-items:flex-start;gap:6px;padding-top:22px;\">\n <span>Al Ameera Village, Building A5, Shop No. G02, Al Yasmeen, Ajman, UAE<\/span>\n <span>DED Ajman Trade License No. 52657 \u00b7 Commercial Registry No. 45153<\/span>\n <\/div>\n <div class=\"foot-bottom\">\n <span>\u00a9 2026 Cosmos Real Estate LLC. 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A plain-language walkthrough of how much you can borrow, what it costs on top of the purchase price, and the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-71","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/pages\/71","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=71"}],"version-history":[{"count":10,"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/pages\/71\/revisions"}],"predecessor-version":[{"id":101,"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=\/wp\/v2\/pages\/71\/revisions\/101"}],"wp:attachment":[{"href":"https:\/\/cosmosrealestatellc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=71"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}