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Mortgage Calculator

Work out a UAE mortgage: the maximum loan under the Central Bank's loan-to-value caps, your monthly payment at a given rate and term, and the upfront fees (4% DLD transfer, mortgage registration, agent and valuation).

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Property price

AED

Your monthly income

AED

BuyerWhich home?Interest rate

% p.a.

Term

years

Monthly payment

AED 6,67025 years

Maximum loan (LTV 80%)AED 1,200,000

Minimum down paymentAED 300,000

DLD transfer fee 4%AED 60,000

Mortgage registration 0.25% + adminAED 3,290

Agent 2% + 5% VATAED 31,500

Trustee, valuation, bank arrangement (typical)AED 19,200

Cash needed upfront (approx.)AED 413,990

Debt burden ratio26.7% (within the 50% limit)

Total interest over the termAED 800,997

Note: Central Bank of the UAE mortgage regulations: expatriates may borrow up to 80% of a first home worth AED 5 million or less (70% above that) and 60% of a second home; UAE nationals 85%, 75% and 65%. Terms run to 25 years, repayments cannot exceed 50% of income, and the loan must end by age 65 (70 for nationals). Fees are typical Dubai figures; Abu Dhabi charges a 2% registration fee instead of the 4% DLD fee. Rates shown are illustrative.

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