UAE Mortgage Calculator

The UAE Central Bank caps your Debt Burden Ratio at 50%. The total of all your monthly debt repayments (credit card, car loan, personal loan and the new mortgage EMI) cannot exceed half your gross monthly income. Banks will reduce or decline a mortgage that breaches this cap.

25 years is the regulatory maximum. Many banks also cap the age at which the loan must be fully repaid at 65 for salaried borrowers and 70 for self-employed borrowers.

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% in early 2026. Always compare at least three banks. Your profile (salary, LTV, tenure) moves the rate significantly.

Yes. Selected banks (HSBC, Mashreq, Emirates NBD, ADCB) offer non-resident mortgages but require a 40% down payment on ready property and 50% on off-plan units, plus stricter income documentation.

Dubai Land Department transfer fee (4%), real-estate agent commission (typically 2%), mortgage registration fee (0.25% of loan), bank processing fee (~1%), valuation fee (~AED 2,500–3,500), and property insurance. Budget an additional 7–8% of the property price for these transaction costs.

Fixed rates give payment certainty for the initial 1–5 year period and usually revert to variable after. Variable rates follow EIBOR movements: cheaper when rates are falling, painful when rising. Most UAE buyers choose a 3–5 year fixed to lock in predictability during the biggest interest portion of the loan.