Banks tightening in mortgage lending is one of the problems faced by the real estate sector, despite the state’s stimulus to the sector, and despite the easiness provided by the Central Bank, banks continue to tighten the subject of housing lending, both to the problems Values or citizens. Undoubtedly, lifting the lending ceiling that the ′′ central ′′ has finally made a boost to demand, although there are cautions that it may be harmful to the market in the long run, but it is considered one of the financing solutions that activates the market, Completed, through easing procedures, and reducing safeguards.But the problem here is that banks still continue to pursue conservative credit policies towards financing in general, and banks should benefit from the transformation in the real estate sector, especially with many residents heading to own, with financing needed to direct the middle segment of buyers who They want to buy their first residence. Banks in Emirates are not providing sufficient support in the current market conditions, as risk managers in these banks think increased facilities could lead to opening the door to other potential risks, which is considered wrong, as the property is a guarantee for the bank in case of bad conditions and The dealer has stumbled, and here it is to be considered that the market needs to encourage a wider group of investors to enter it.Finally, banks should revise their profitability regarding mortgage loans, and very important in the current situation that real estate debts be rescheduled, in line with low income in real estate units, in conjunction with the decline in real estate investment return on the market, due to rental correction, This contributes to the advancement of the national economy.