Dubai mortgages differ from those in other countries in several ways. Firstly, the loan-to-value (LTV) ratios in Dubai are typically more conservative compared to countries like the U.S. or the U.K., with a standard LTV of 80% for residents and lower for non-residents. Additionally, interest rates in Dubai may be higher, and mortgage terms can be more stringent, especially for non-residents. Another key difference is the prevalence of Sharia-compliant mortgage products in Dubai, which follow Islamic finance principles and are distinct from conventional mortgages. Furthermore, mortgage approvals in Dubai are heavily dependent on credit scores, income stability, and the applicant's debt burden ratio (DBR)​.