Is a mortgage better than paying cash in Dubai?

If you have substantial capital, the smart question is not simply whether you can pay cash.
It is whether cash is the best use of that capital.
In some cases, financing keeps liquidity available for other opportunities or reserves.
In others, cash wins because it reduces complexity, improves your negotiating stance, and removes monthly debt pressure.
The right answer depends on financing cost, alternative uses for your capital, your hold period, and your personal comfort with bank exposure and monthly commitments.