How to Buy an Apartment in Dubai from Kuwait with a Mortgage: 2025 Complete Guide

Kuwaiti investors are increasingly turning to Dubai real estate market, with over 23% of GCC property buyers coming from Kuwait in Q1 2025. Buying an apartment in Dubai with a Kuwaiti mortgage offers excellent financing options while securing a valuable asset. This guide walks you through every step—from mortgage approval to property handover—all from Kuwait.

Why Kuwaitis Choose Dubai Apartments with Mortgages

Competitive Rates (Starting at 4.25% for Kuwaitis)
Higher LTV Ratios (Up to 80% for prime properties)
Tax-Free Investment (No property or capital gains tax)
Golden Visa Eligibility (750K AED+ purchases qualify)
Strong KWD-AED Peg (Currency stability)

Step 1: Mortgage Options for Kuwaiti Buyers

Comparison of Lenders

Bank	Max LTV	Interest Rate	Special Features
Emirates NBD	80%	4.25%	Free property valuation
Kuwait Finance House	75%	4.15%	Sharia-compliant
Commercial Bank of Dubai	70%	4.75%	1% cashback on fees
Burgan Bank Kuwait	65%	5.25%	KWD-denominated loans

Step 2: Eligibility and Documentation

Requirements for Kuwaiti Nationals

Minimum salary: KD 1,200/month (≈ AED 14,500)
Clean Kuwait Credit Bureau report
6 months bank statements
Employer confirmation letter

Special Considerations

Self-Employed? Need 2 years audited financials
Existing Loans? Total obligations ≤ 50% of income
Property Type: Most banks finance freehold only

Step 3: Choosing the Right Apartment

Best Areas for Kuwaiti Investors

Area	Avg. Price (1BR)	Rental Yield	Bank Preference
Dubai Marina	AED 1.2M	6.5%	High (80% LTV)
Downtown Dubai	AED 1.5M	5.8%	High (75% LTV)
Jumeirah Village Circle	AED 750K	8.2%	Medium (70% LTV)
Business Bay	AED 900K	7.1%	High (75% LTV)