Mortgage Calculator
Work out your monthly mortgage payment and total interest, check the minimum down payment under UAE Central Bank rules, and see whether the loan fits the 50% debt limit. Enter the rate your bank quotes.
Loan Details
Residency Status
Nationality sets the maximum loan-to-value under Central Bank rules.
Affordability check
Results
Monthly Mortgage Payment
AED 11,117
Total Interest
AED 1,334,995Total Payment
AED 3,334,995Amortization Schedule
- PrincipalAED 2,000,000 (60.0%)
- InterestAED 1,334,995 (40.0%)
Debt burden (all loan repayments ÷ income)
37.1%
The Central Bank caps total loan repayments at 50% of income. Banks also test affordability at a higher rate.
An estimate at the rate you entered. Your bank confirms the final rate, fees and amount.
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How Mortgage Works in UAE
A simple step-by-step process to get your home loan.
Check Eligibility
Choose a Property
Get Pre-Approval
Submit Documents
Loan Approval
Property Purchase
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Frequently Asked Questions
What is the minimum down payment in the UAE?
Under Central Bank rules, on a first home worth up to AED 5 million the minimum deposit is 20% for expatriates and 15% for UAE nationals; above AED 5 million it is 30% and 25%. For a second home or investment property it is 40% for expatriates and 35% for nationals, and for off-plan property 50% for everyone. Banks can ask for more.
How much can I borrow on my salary?
Your total monthly loan repayments, including the new mortgage, can't exceed 50% of your income, and the loan can't be more than 7 times annual income for expatriates or 8 times for nationals. The calculator's affordability check shows your debt burden.
What is the longest mortgage term in the UAE?
25 years. Each bank sets its own maximum age at the final payment.
What fees come with a mortgage?
The Dubai Land Department charges 0.25% of the loan to register the mortgage, plus a AED 250 title deed fee. Banks charge valuation and arrangement fees, which vary by bank, and require life and property insurance.
Can I pay off my mortgage early?
Yes. The Central Bank caps the early or partial settlement fee at 1% of the outstanding balance or AED 10,000, whichever is less.
Tips for a Better Mortgage
- 1Improve your credit score before applying
- 2Save for a larger down payment
- 3Compare rates from multiple banks
- 4Consider the total cost, not just the monthly payment
- 5Use a mortgage calculator to plan ahead