Wallary
Handover Q1 2027

Mortgage for Bay Villas by Nakheel

You can finance a villa in Nakheel's Bay Villas before it completes — through the Nakheel × ENBD programme. Handover is set for Q1 2027, so now is a good time to lock in your terms.

TIME TO HANDOVER
The closer the handover, the better the entry: distressed sellers and mortgage leverage on the final share.

Bay Villas is a Nakheel development in Dubai Islands. At Wallary we handle the whole deal — calculating your payment, comparing bank offers and taking it through to your keys.

NakheelBay Villas · Dubai IslandsVilla
CALCULATOR BAY VILLAS

Your payment for Bay Villas

Move the sliders — the payment updates instantly.

Your status
Property valueAED
Down payment · 20%AED
Rate3,99%
Term25 years
Monthly payment
8 437AED / mo
Loan amount1 600 000 AED
Min. income for approval16 873 AED
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This estimate is illustrative. Exact terms come in your credit report based on your documents.

FACTS

Bay Villasat a glance

DeveloperNakheel
DistrictDubai Islands
TypeVilla
HandoverQ1 2027
Down paymentfrom 20% resident / 40% non-resident
Partner bankENBD
WHY NOW

Why buying before handover pays off

By handover, a developer payment plan requires most of the price up front — usually 40–50%. A mortgage covers that instalment and turns a large sum into a comfortable monthly payment. It pays to get pre-approved early: approval lasts up to 12 months and the rate can be locked before completion.

Nakheel partners with ENBD to finance its projects. Non-resident terms differ — we'll match the right option across 20+ banks.
Keep your capital
3.99% rate for 3 years
Enter at a distress price
WALLARY

Request a calculation for Bay Villas

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FAQ

Bay Villasquestions

Can I get a mortgage on Bay Villas?+

Yes. Bay Villas is under construction and financing is available before handover. We'll help you apply and secure pre-approval.

Which bank finances Bay Villas?+

Nakheel's main partner is ENBD. We'll also compare against 20+ other banks where it helps.

How much do I need to put down?+

For an off-plan unit the bank finances up to 50%; the rest is your down payment. We'll calculate the exact figure for your case.

When is handover and why apply now?+

Completion is set for Q1 2027. It's worth getting approved early: approval lasts up to 12 months and the rate can be locked before handover.

Do you work with non-residents?+

Yes. Non-resident financing is typically 50–60% of the price — we'll match a bank that approves your profile.

Considering an apartment in Bay Villas?

Start with a credit report — we'll show banks, rate and amount for your layout.