Legal & Finance
Mortgage vs Developer Financing in Ajman – What’s Better for You?
Ajman has quickly become a desirable destination for property investors and end-users alike, thanks to its affordable prices and improved infrastructu...
Ajman has quickly become a desirable destination for property investors and end-users alike, thanks to its affordable prices and improved infrastructu...
IM Properties is a leading real estate company in ...
Ajman has quickly become a desirable destination for property investors and end-users alike, thanks to its affordable prices and improved infrastructure. But once you’ve decided to buy, the next big question is, how will you finance the property?
In the UAE—and especially in Ajman—buyers typically choose between mortgage financing through banks or developer payment plans. Each has its advantages, risks, and ideal use cases. This guide breaks them down in a simple, smart way so you can choose what best suits your needs.
Real estate expert with extensive knowledge of Ajman's property market. Helping clients make informed investment decisions for over 10 years.
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Great article! This really helped me understand the current market trends in Ajman. The insights about Downtown Ajman are particularly valuable.
I completely agree! The market analysis section was very informative.
As someone looking to invest in Ajman real estate, this article provided exactly the information I was looking for. Thank you for sharing!
The property investment tips are spot on. I've been following these strategies and they work really well in the current market.
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So the decision really depends on your financial situation, property type, and how much risk you're willing to take.
▶ Mohammed, an expatriate with a stable monthly income of AED 15,000, opted for a bank mortgage to purchase a ready apartment in Ajman. He selected a fixed interest plan and paid 25% as a down payment. His steady job and strong credit made him eligible for bank financing, and he preferred predictable monthly payments over time.
▶ Ayesha, a freelance graphic designer with variable income, didn’t meet mortgage eligibility requirements. Instead, she purchased an off-plan property with a developer’s 10/90 payment plan, allowing her to make smaller monthly payments, even two years post-handover. This gave her ownership flexibility without requiring bank approval.
Both made smart decisions based on their circumstances.
Note: The scenarios above are fictional and intended to illustrate common financing decisions in Ajman’s real estate market.
Need expert help with financing your next property in Ajman? ? Contact Improperties – Your Trusted Real Estate Advisors
Note: The information provided in this guide is for informational purposes only and should not be considered financial advice. Always consult with a financial advisor or real estate expert before making investment decisions.
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Continue Reading| Term Length | Up to 25 years | Shorter (2-7 years), sometimes longer |
| Risk | Low (regulated by banks) | Moderate to high (developer-dependent) |
| Eligibility | Salary-based, documents needed | Flexible, especially for off-plan properties |
| Best For | Ready properties, long-term buyers | Off-plan buyers, investors needing flexibility |
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