UAE Mortgage Calculator
Estimate your monthly home-loan payment under UAE Central Bank rules: down payment, tenure, interest and DBR all in one place. Switch to Customize for total cost, fees, and rate stress tests.
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How to use
- 1
Start in Quick mode: enter the property price, down payment %, interest rate and tenure. Get the monthly EMI in 30 seconds.
- 2
Switch to Customize when you're getting serious. The extra fields cover borrower type (resident/non-resident, first/second property, ready/off-plan), all the bank fees, your other debts, and salary.
- 3
Customize mode shows the cash you'd actually need at signing (down payment + DLD + agent + bank fees), the true total cost of buying over the life of the loan, your DBR with other debts factored, and a rate stress test showing what your EMI becomes if rates rise by 1, 2 or 3 percentage points.
- 4
If you don't have a specific rate yet, leave 4.5% (typical 2026 UAE mortgage rate) and the calculator gives you a realistic baseline. Get three real bank quotes before signing — your final rate moves with salary, salary transfer, and LTV.
- 5
Compare the Customize 'true total cost' with the property price. Most buyers think about price and forget that interest + fees often add another 50-100% on top over a 25-year mortgage.
Frequently asked questions
For UAE resident expats buying a first property up to AED 5 million, the minimum is 20%. Above AED 5 million, 25%. A second property requires 40%. Non-residents need 40% on ready property and 50% on off-plan. Customize mode shows the minimum that legally applies to your selection.
The UAE Central Bank caps DBR at 50%. The total of all your monthly debt repayments — credit cards, car loan, personal loan, and the new mortgage EMI plus its life insurance — cannot exceed half your gross monthly income. Banks reduce or decline mortgages that breach this cap. Customize mode includes life insurance and other debts in the DBR calculation, which most online calculators ignore.
25 years is the regulatory maximum. Most banks also cap the borrower's age at the end of the loan: 65 for salaried, 70 for self-employed. So a 50-year-old salaried borrower is typically limited to 15 years instead of 25.
Fixed rates start from around 3.99% for 1–3 year initial periods. Variable rates linked to EIBOR generally sit between 4.5% and 5.7%. Your final rate moves with: salary transfer (full transfer = best rates), employer category (listed companies get better), LTV (lower LTV = lower rate), and tenure (shorter tenure = lower rate). Most UAE buyers compare three quotes before signing.
Quick mode gives you the monthly EMI from the four core inputs (price, down %, rate, tenure). Customize mode adds borrower-type matching to the right legal minimum down payment, factors in bank processing fees and valuation, includes DLD transfer and registration costs, calculates the cash you actually need at signing (not just the down payment), shows true total cost of buying over the loan life, and runs a rate stress test for if interest rates rise.
Dubai Land Department transfer fee (4% of price), real-estate agent commission (typically 2%), mortgage registration with DLD (0.25% of loan), bank processing fee (1% capped at AED 2,500), valuation fee (~AED 2,500-3,500), property insurance, and mortgage life insurance (bundled into EMI by most banks). Budget an extra 7-8% of the property price on top of your down payment.
Fixed rates give payment certainty for the initial 1-5 year period and usually revert to variable after. Variable rates follow EIBOR: cheaper when rates are falling, painful when rising. Most UAE buyers pick a 3-5 year fixed to lock in predictability during the highest-interest portion of the loan. Use Customize mode's rate stress test to see how exposed you are if rates rise.
Yes. HSBC, Mashreq, Emirates NBD, ADCB and a few others offer non-resident mortgages but require a 40% down payment on ready property and 50% on off-plan units, plus stricter income documentation. The Customize mode's borrower-type selector handles this automatically.
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Source: UAE Central Bank Regulations Regarding Mortgage Loans, Dubai Land Department fee schedule · Last verified 2026-06. Verify on CBUAE Rulebook. This tool provides estimates only and is not legal, tax or financial advice. Always verify your specific situation with the relevant UAE authority or a licensed advisor before taking action.