Dubai Mortgage Calculator

Start by entering the property price — the agreed purchase price or listing price of the Dubai property you are buying. Next, set your down payment percentage. UAE Central Bank rules require a minimum 20% down payment for expat residents on properties under AED 5 million, and 15% for UAE nationals. These examples apply to a first home for owner occupation. Investment properties, subsequent purchases, off-plan and non-resident applications have different requirements.

The interest rate field lets you model different rate scenarios. Enter a rate from a current written lender quotation; the starting value is an illustration. The loan tenure (up to 25 years for both residency options) affects both your monthly payment and total interest paid — a longer tenure lowers monthly payments but increases total interest cost significantly.

Once you enter your inputs, the calculator instantly shows your estimated monthly payment — the amount you pay to the bank each month. The total interest figure shows how much extra you pay over the life of the loan beyond the principal borrowed. Total cost (total repayment) is the loan amount plus all interest. The buying costs section also includes DLD fees (4%), agent commission (2%), and mortgage registration (0.25%) as a starting subtotal; bank fees, VAT where applicable, insurance and other registration or trustee charges may be additional.