Mortgage Calculator

UAE mortgage payments use the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12), and n is the number of monthly payments. For example, a AED 1.6M loan at 4.5% for 25 years gives a monthly payment of approximately AED 8,893.

Per CBUAE Mortgage Cap Regulations, expat residents can borrow up to 80% LTV (20% down payment) for properties priced at AED 5 million or below. For properties above AED 5 million, the maximum LTV drops to 70% (30% down). UAE nationals receive higher limits: 85% for first properties up to AED 5M, 75% above. Non-residents are capped at 65% regardless of price.

Debt Burden Ratio (DBR) is the percentage of your gross monthly income consumed by all monthly debt obligations. The CBUAE caps DBR at 50% for most borrowers, meaning total monthly debt payments (mortgage + all other loans) cannot exceed half your income. For borrowers earning AED 40,000/month or more, a 60% cap applies under the 2023 CBUAE relief provision. Exceeding the DBR cap means UAE banks will not approve the mortgage.

The main one-time costs when buying in Dubai are: Dubai Land Department (DLD) fee of 4% of property price, trustee office fee (AED 4,200 for properties above AED 500K), real estate agent commission of 2% + 5% VAT, mortgage registration fee of 0.25% of loan amount + AED 290, title deed issuance (AED 580), and property valuation (approximately AED 2,500–3,500). Total closing costs on a AED 2M property are typically AED 125,000–145,000.

On a AED 1.6M mortgage at 4.5% over 25 years, paying an extra AED 1,000/month saves approximately AED 85,000–95,000 in total interest and cuts the loan term by roughly 5–6 years. The exact amount depends on the interest rate and when in the loan term you start the extra payments. Use the Extra Payments tab above to model your specific scenario.

Yes. Non-residents (foreigners without UAE residency) face a 65% LTV cap, meaning a minimum 35% down payment on any property price. Non-residents must also typically demonstrate stronger income documentation (typically 12 months of overseas bank statements), and not all UAE banks offer non-resident mortgages. Dubai freehold areas are the primary locations where non-residents can purchase — these are designated zones listed by the Dubai Land Department.

UAE mortgage rates in 2025–2026 range from approximately 3.5% to 5.5% for fixed-rate products (typically fixed for 1–5 years) and 4.5%–6.5% for variable-rate mortgages linked to EIBOR (Emirates Interbank Offered Rate). Fixed rates offer payment certainty; EIBOR-linked rates can decrease if rates fall. The best way to compare is to get quotes from at least 3 UAE banks — rates vary significantly by loan-to-value, income level, and employer.

Yes. The calculator incorporates three UAE-specific rule sets: (1) CBUAE LTV rules — the minimum down payment automatically adjusts based on buyer type (expat/UAE national/non-resident), property price (above/below AED 5M), and whether it is a first or subsequent property. (2) DBR affordability check uses the CBUAE 50%/60% caps. (3) Dubai buying costs use official DLD fee rates. All formulas are sourced from CBUAE regulations and the Dubai Land Department, last verified June 2026.