💡 Thinking about buying property in Dubai with a mortgage? Choosing the right mortgage isn’t just about getting approval—it’s about securing the best terms, lowest rates, and a deal that maximizes your financial advantage.

At BIXAA, we don’t just help you buy property—we ensure you invest wisely.

✅ Exclusive mortgage deals with low interest rates
✅ Personalized financing solutions for residents & non-residents
✅ Zero hidden fees, full transparency, and 100% legal compliance

🚀 With BIXAA, your Dubai property investment isn’t just safe—it’s optimized for the best returns.

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🏦 Types of Mortgages in Dubai: Find the Right Fit for You

Dubai offers multiple mortgage options, each suited for different financial strategies.

✅ 1. Fixed-Rate Mortgage – Stability & Predictability

✔ Your interest rate remains the same for a fixed period (1–5 years).
✔ No surprises—your monthly installment stays constant.
✔ Ideal for long-term financial planning and stability.

💡 BIXAA Insight: Great for first-time buyers who want a secure, predictable payment plan.

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✅ 2. Variable-Rate Mortgage – Flexibility & Market Benefits

✔ Interest rates fluctuate based on the Emirates Interbank Offered Rate (EIBOR).
✔ Potential for lower payments if interest rates decrease.
✔ Best for investors who can manage payment adjustments over time.

💡 BIXAA Insight: Ideal for investors who want to leverage lower market rates and are comfortable with fluctuations.

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✅ 3. Discounted Rate Mortgage – Pay Less Initially

✔ You get a lower interest rate for the first 2–5 years.
✔ Once the discount period ends, rates switch to standard market rates.
✔ Best for those who want lower upfront payments and plan to refinance later.

💡 BIXAA Insight: Smart investors use this mortgage to maximize short-term savings before switching to better terms.

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✅ 4. Capped Mortgage – Protection with Flexibility

✔ Interest rate fluctuates but never exceeds a set cap.
✔ Allows for market benefits while ensuring financial safety.
✔ Ideal for buyers who want flexibility but limit risk.

💡 BIXAA Insight: Perfect for buyers who want the benefits of a variable rate without worrying about extreme hikes.

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✅ 5. Investment Mortgage – Build Wealth Through Real Estate

✔ Designed for buy-to-let investors looking for rental income.
✔ Interest rates and down payments may be higher due to investment risk.
✔ Best for those growing a real estate portfolio with strong ROI potential.

💡 BIXAA Insight: We help investors structure their mortgages to maximize cash flow & returns.

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✅ 6. Non-Resident Mortgage – Own Dubai Property from Anywhere

✔ Available to foreign investors who don’t live in the UAE.
✔ Typically requires higher down payments (40-50%).
✔ Great for non-residents looking to own luxury real estate in Dubai.

💡 BIXAA Insight: We connect international buyers with banks offering the best mortgage terms for non-residents.

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💳 Mortgage Eligibility: Can You Get Approved?

Here’s what you need to qualify for a mortgage in Dubai:

✔ UAE Residents – Up to 80% financing available
✔ Non-Residents – Up to 50% financing available
✔ Minimum Salary – AED 15,000 (salaried) / AED 25,000 (self-employed)
✔ Mortgage Tenure – Up to 25 years

💡 BIXAA Advantage: We work with top banks to secure fast approvals, low interest rates & the most flexible terms.

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⚠️ What Happens If You Buy Without BIXAA?

❌ What You LOSE If You Buy Directly From a Developer

🚨 Developers only sell their own projects—not what’s best for YOU.

❌ No Price Negotiation – Developers only offer fixed prices, meaning you pay full price with no discounts.
❌ No Market Comparison – You won’t know if a better investment exists elsewhere.
❌ No Investment Guidance – Developers are not investment advisors—they just want to sell their project.
❌ No Resale or Rental Support – After buying, you’re on your own—no help renting it out or selling it later.

💡 At BIXAA, we compare all projects, negotiate the best deal, and provide a legally binding agreement to protect your investment.

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❌ What You LOSE If You Buy Through Another Broker

Not all brokers have your best interests at heart. Some push risky deals, others hide crucial fees, and many vanish after closing the sale.

❌ Hidden Commissions & Inflated Prices – Many brokers mark up prices to increase their commissions.
❌ Limited Property Options – Most brokers only promote projects where they get the highest commission.
❌ No Legal Protection – They don’t offer written guarantees, leaving you exposed to false promises.
❌ No After-Sales Support – Once the deal is done, they disappear, leaving you to manage everything alone.

💡 With BIXAA, you get full transparency, legal protection, and the best investment strategy—GUARANTEED.

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🚀 Why BIXAA is the Smartest Choice for Buying Property in Dubai with a Mortgage

Unlike developers or random brokers, BIXAA works for YOU—not for commissions.

✅ Best Price Negotiation – Whether cash or mortgage, we secure exclusive discounts that others can’t.
✅ Exclusive Mortgage Deals – We get you the lowest interest rates, flexible terms & fast approvals.
✅ 100% Secure Transactions – Your money goes directly to the developer’s escrow account—no middlemen, no risk.
✅ Complete Transparency – Every step is fully documented with NO hidden costs.
✅ End-to-End Support – From property selection to financing, legal paperwork, and even resale assistance.

💡 Bottom line? With BIXAA, you’re not just buying property—you’re making a financially smart, legally secure, and HIGH-ROI investment.

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📞 Ready to Secure the Best Mortgage for Your Dubai Property? Let’s Make It Happen!

🏡 Whether you’re a first-time buyer or an investor, we help you get the BEST mortgage terms.

📲 Contact us today & let’s find the perfect financing option for you!