Lease Rental-Based Lending

Lease rental-based lending structures mortgage approval around confirmed rental income from the financed property rather than borrower salary, enabling acquisition of investment properties with minimal personal income requirements.


Primary assessmentCriteria
DSCR requirementExpected rental income
Personal income1.25-1.35x typical
Property typeSecondary consideration
Location factorCompleted units preferred
Eligibility ExampleQualification
Expected annual rentAED 120,000
Required DSCR1.3x
Maximum debt serviceAED 92,308 (120,000 / 1.3)
Interest rate5.5%
Maximum loanAED 1,678,691
AdvantagesBenefit
Income independenceNot limited by salary
Portfolio scalingAcquire multiple properties
International investorsUAE income not required
Retired investorsAccess despite no employment

Related Terms

DSCR LoanBuy-to-Let MortgageNet Operating Income (NOI) Investment PropertyRental Yield

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