UAE Mortgage Calculator
Estimate your monthly mortgage payment in AED. Defaults follow UAE Central Bank rules — up to 80% financing for expats (properties ≤ AED 5M) and a maximum 25-year term.
- Loan amount
- Down payment
- Total interest
- Total repaid
- DLD transfer fee (4%)
- Mortgage registration (0.25% of loan)
- Trustee + valuation (approx.)AED 7,000
- Cash needed upfront
Indicative only — final rates and fees depend on the bank and property. Not financial advice.
Mortgage FAQ
How much deposit do I need for a mortgage in the UAE?
Expats need a minimum 20% down payment for properties up to AED 5 million (30% above AED 5M). UAE nationals need 15% (25% above AED 5M). Off plan purchases financed by banks typically require 50% down.
What is the maximum mortgage term in the UAE?
The maximum mortgage term in the UAE is 25 years, and the loan must usually be repaid before the borrower turns 65 (70 for self-employed).
What are the upfront costs when buying property in Dubai?
Budget roughly 7-8% on top of the price: 4% DLD transfer fee, 2% agency commission (resale), AED 2,000-4,000 trustee fee, ~0.25% mortgage registration fee, and bank arrangement fees of up to 1% of the loan.
What is the debt burden ratio (DBR) in the UAE?
UAE Central Bank caps total monthly debt repayments, including your new mortgage, at 50% of your monthly income.