UAE Mortgage Calculator

It depends on three things: your residency status, whether it's your first property or a second/subsequent one, and the property's value relative to AED 5 million. A UAE national buying a first home at or under AED 5M can borrow up to 85% (15% down). An expat in the same scenario tops out at 80% (20% down). Above AED 5M those caps drop to 75% and 70%. Second and subsequent properties are capped at 65% (nationals) or 60% (expats) regardless of value. See the full table above.

Off-plan mortgages are capped at 50% LTV for every buyer category, no exceptions — you'll need at least half the purchase price from your own funds. That's because there's no completed asset for the bank to hold as full collateral yet, and construction timelines can slip. Most banks also won't release funds until a project reaches roughly 40% construction completion.

No — it's an illustrative default (4.5%) you should change to match a real quote. UAE mortgage rates move with EIBOR and vary by bank, loan-to-value, salary-transfer status, and whether you pick fixed or variable. As of mid-2026, well-qualified borrowers were seeing fixed rates roughly in the high-3% to low-4% range and EIBOR-linked variable rates somewhat higher — get a current rate from your bank or mortgage broker before treating any number here as final.

It's a Central Bank of UAE rule capping your total monthly debt obligations — the new mortgage payment plus any other loans, credit card minimums, etc. — at 50% of your gross monthly income. Even if the LTV math above says you qualify for a certain loan, the DBR can be the tighter constraint that actually limits how much a bank will lend you. This calculator doesn't collect your income, so treat the DBR as a real check to run with your bank separately.

The mortgage-specific one is the Dubai Land Department mortgage registration fee: 0.25% of the loan amount plus a flat AED 290 administrative charge, paid whenever a mortgage is registered, amended, or refinanced against a Dubai property. Banks also commonly charge their own arrangement/processing fee (often around 1% of the loan, sometimes capped, sometimes discounted for premium banking customers) and a property valuation fee (roughly AED 2,500–3,500). This is separate from — and much smaller than — the property purchase transfer fee itself, which runs 4% of the purchase price. The full transaction-cost picture, including that transfer fee, is covered in more depth on the Dubai Rent vs. Buy Calculator linked below.

Standard amortization: monthly payment = loan amount × monthly rate × (1 + monthly rate)^n ÷ [(1 + monthly rate)^n − 1], where the monthly rate is your annual rate divided by 12 and n is the term in months. It's the same math banks use for a fixed-rate repayment mortgage — actual bank quotes can differ slightly based on how they round, compound, or structure fees into the loan.

No. This tool is specifically about mortgages — property-secured lending governed by Central Bank LTV caps that don't apply to personal loans at all. For an unsecured personal loan (car, wedding, debt consolidation, business cash flow), use the UAE Loan Calculator instead, linked at the top of this page and in the section above the FAQ.

No. This is an estimation tool, not a loan offer, pre-approval, or advice. LTV caps and rates are set by the Central Bank of UAE and individual banks; your actual eligibility depends on your income, credit history, existing debt, employer, and the specific bank's own policies. Always confirm real numbers with a licensed bank or mortgage broker before making a purchase decision.