FREE TOOL · DUBAI 2026
Estimate your monthly payments, total interest, and buying costs instantly — with UAE-specific LTV rules and DLD fees built in.
Current UAE rates typically range 3.99% – 5.5%
Max 25 years for expats
ESTIMATED MONTHLY PAYMENT
over 25 years
AFFORDABILITY CHECK
Expats: Up to 80% LTV for properties ≤AED 5M; 70% for above AED 5M.
UAE Nationals: Up to 85% LTV for properties ≤AED 5M; 75% for above AED 5M.
DLD Fee: 4% of property value + AED 580 registration.
Agent Commission: 2% of property value.
Mortgage Registration: 0.25% of loan amount. Plus bank processing fees and valuation (~AED 3,000).
Minimum monthly salary of AED 15,000 required by most banks.
Maximum borrower age of 65 years at the end of the mortgage term.
DBR (Debt Burden Ratio) capped at 50% of gross monthly salary.