UAE mortgage calculator
Enter the price and your bank's rate. The deposit slider starts at the Central Bank minimum for an expat buying a first, finished home under AED 5 million (20%). Off plan, banks can't lend more than 50%.
- Loan
- Down payment
- Interest over the term
- Total repaid
Dubai registration costs on a ready home
- DLD fee, full 4%
- Mortgage registration, 0.25% of loan
- Trustee office, with 5% VAT
- Title deed
- AED 250
- Cash at transfer, deposit included
Fees from Dubai Land Department's fee schedule, which lists the 4% as 2% seller and 2% buyer; your contract says who pays what. Bank fees aren't included.
Deposit, term and income limits
How much deposit does an expat need for a mortgage in the UAE?
At least 20% on a first home worth up to AED 5 million and 30% above that: the maximum loan is 80% of the value, or 70% for pricier homes. A second home or investment property needs 40%. Anything bought off plan needs 50%, whoever the buyer is.
What is the longest mortgage term allowed?
25 years. The Central Bank leaves the maximum age at the last repayment to each bank.
What share of my salary can the repayments take?
Half of gross monthly income, counting every loan you hold. On top of that, the loan amount is limited to seven years of salary for expats and eight for UAE nationals.