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.