Calculator
Mortgage calculator
See your monthly repayment, how much you'll borrow and what the loan costs in interest.
Monthly repayment
AED 8,668
Over 25 years at 4.25%
Loan amount
AED 1,600,000
Down payment
AED 400,000
Total interest
AED 1,000,343
Total repaid
AED 2,600,343
- Loan · 53%
- Interest · 33%
- Down payment · 13%
Estimates only, based on the numbers you enter. Bank offers, fees and market conditions vary.
Know before you borrow
How UAE home loans usually work
Minimum down payment
UAE Central Bank rules set minimum deposits. Expats usually need a bigger deposit than nationals, and more again above AED 5M.
Debt-burden limit
All your monthly debt repayments together generally can't exceed 50% of your income.
Maximum term
Loans typically run up to 25 years and must end before a set retirement age.
Fixed vs variable
Fixed rates often last 1–5 years, then switch to a variable rate linked to EIBOR.
Upfront costs
Budget for the Land Department fee, mortgage registration, valuation and agent fees on top of the deposit.
Pre-approval
Getting pre-approved before you make an offer shows sellers you're serious and confirms your budget.