Finance Tools

Mortgage Calculator

See exactly what you'll pay the monthly instalment and total upfront cash for a Dubai home loan, tuned to your profile.

Mortgage Calculator

Estimate Your Monthly Payment

Pick your residency, adjust the sliders, and see your monthly instalment and total upfront cash update instantly.

Purchase price
AED
Residency status
Purchase type

Max loan 80% (CBUAE cap, price up to AED 5M). Down payment can't go below 20%; it adjusts automatically if you change these options.

Down payment
156,00020%
Min 20%Max 80%
Loan amount
624,000 AED= price − down payment
yrs

Max 25 years (CBUAE)

%

Editable. Indicative fixed rate as of Oct 2026; your bank's offer may differ.

Monthly payment3,208 AEDat 3.75% over 25 years
Total loan repayments962,454 AED
Total interest338,454 AED

Assumes the rate stays fixed for the full term. Most UAE fixed rates revert to variable (EIBOR + margin) after 1–5 years.

Cash needed on day one

Down payment (20%)156,000 AED
DLD transfer fee (4% + 580)31,780 AED
Trustee office fee4,200 AED
Mortgage registration (0.25% + 290)1,850 AED
Agency fee (2% + VAT)16,380 AED
Bank arrangement (1% + VAT)6,552 AED
Valuation fee3,150 AED
Total cash on day one219,912 AED
Total cost of purchase843,912 AED

Estimates only, based on 2026 Dubai fee schedules and CBUAE mortgage regulations (Art. 3). Rates and eligibility vary by bank and profile. Not financial advice.

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