Dubai Mortgage Calculator
Work out your monthly mortgage payment for a property in Dubai. Change the price, down payment, interest rate and term, and the payment, loan amount and total interest update as you type.
Calculate your monthly payment
25 years at 3.95% on a loan of AED 1,600,000
- Loan amount
- AED 1,600,000
- Down payment
- AED 400,000
- Total interest
- AED 920,384
- Total repaid to the bank
- AED 2,520,384
Upfront buying costs such as the 4% DLD transfer fee and mortgage registration are not included. Add them up with the DLD fee calculator.
Planning to buy? Talk to an advisor about financing and the right property.
The button opens WhatsApp with your figures typed in; nothing is sent until you press send. Estimates only, not a mortgage offer or financial advice. Your rate, fees and approval depend on the bank and your profile.
Figures last checked 31 October 2026.
How the mortgage calculator works
The calculator uses the standard repayment formula that banks use for a home loan. Your loan is the property price minus your down payment, repaid in equal monthly instalments over the term.
UAE mortgage rules to know
| Buyer | Up to AED 5M | Above AED 5M |
|---|---|---|
| Expats | 20% | 30% |
| UAE nationals | 15% | 25% |
- Banks lend less on second homes and off-plan properties, so expect a larger down payment.
- The longest term is 25 years, and the loan has to end by age 65 if you are salaried or 70 if you are self-employed.
- All your monthly debt repayments, this loan included, can't be more than 50% of your monthly income.
- Buying costs come on top: the 4% DLD transfer fee, mortgage registration (0.25% of the loan), and bank and valuation fees.
Most UAE mortgages have a fixed rate for the first 1 to 5 years, then move to a variable rate linked to EIBOR. The calculator uses one rate for the whole term, so treat the result as a guide.
Further reading: an introductory guide to financing and mortgages in Dubai and a guide to mortgages and property loans in Dubai.
Mortgage questions
Short answers for buyers financing a home in Dubai. For advice on your own situation, talk to one of our advisors.
Expats buying their first home need at least 20% down on properties up to AED 5 million, and 30% above that. UAE nationals need 15% and 25%. Banks ask for more on second homes and off-plan properties. On top of the down payment, budget around 6 to 7% of the price for buying costs.
25 years. The loan also has to be repaid by the time you turn 65 if you are salaried, or 70 if you are self-employed, so older buyers may get a shorter term.
Banks cap your total monthly debt repayments at 50% of your monthly income, and lend up to the loan-to-value limit for the property. Existing loans and credit card limits reduce the amount you can borrow.
Yes. Several UAE banks lend to non-residents, usually with a larger down payment and a slightly higher rate than for residents.
No. It shows the loan repayment only. Buying costs such as the 4% DLD transfer fee, mortgage registration, trustee and agency fees are paid upfront. Our DLD fee calculator adds them up.
A fixed rate keeps your payment the same for the first 1 to 5 years, which makes budgeting easier. A variable rate follows EIBOR, so it can go down or up. After the fixed period, most UAE mortgages move to a variable rate.
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