UAE mortgage ruling driven by new property bubble fear
20 January 2013 Last updated at 16:00 GMT
In what is seen as an attempt to prevent another property bubble forming, the UAE central bank has put large caps on the amount of money people can borrow for a mortgage.
Expats must now have 50% of the asking price as a deposit, Emiratis must have 30%.
But while some banks have enforced the rule, others are concerned it will make economic recovery in the region more difficult - and it does not apply to cash buyers, who are largely blamed for creating the previous bubble.
Jonathan Frewin reports from Dubai.