UAE Mortgage Calculator Dubai

Buying property in Dubai or anywhere in the UAE is one of the biggest financial decisions you will ever make. Whether you are a UAE national eyeing a villa in a premium community, an expatriate professional planning to put down roots in Dubai Marina, or an overseas investor looking at apartments in Business Bay, understanding how a mortgage works — and what it will actually cost you — is essential before you sign anything. Our UAE mortgage calculator uses the standard Equated Monthly Instalment (EMI) formula used by all UAE-regulated banks: EMI = P × [r(1+r)ⁿ] / [(1+r)ⁿ−1], where P is the principal loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the total number of monthly payments. Enter your property price, down payment, loan term, and interest rate to get an instant monthly payment estimate, full amortization breakdown, LTV ratio, DBR affordability check, and a complete summary of all buying costs. The Central Bank of the UAE (CBUAE) regulates all mortgage lending in the country. The key rules for 2025 are straightforward but vary significantly based on your profile. For UAE nationals buying their first home priced at AED 5 million or less, the maximum LTV is 85%, meaning a minimum 15% down payment. For first homes above AED 5 million, the cap falls to 75%. Expatriate residents buying their first home below AED 5 million can borrow up to 80% LTV (20% down payment minimum), while properties above AED 5 million carry a 70% LTV cap. Non-residents face stricter limits, typically 60% LTV or lower. Investment properties and off-plan purchases attract lower LTV limits across all categories. The Debt Burden Ratio (DBR) is equally important. The CBUAE mandates that your total monthly debt obligations — the new mortgage EMI plus any existing loans, car finance, or credit card minimums — must not exceed 50% of your gross monthly income. Banks also stress-test this at a higher notional rate, typically adding 2–4% to the current rate, to ensure you could still afford repayments if EIBOR rises sharply. Our calculator shows both standard and stress-tested DBR so you can plan with full transparency. Dubai mortgage rates in 2025 are primarily EIBOR-linked. The effective rate for well-qualified borrowers currently falls in the 4–5.5% range, though this changes as global monetary policy shifts. Fixed-rate introductory periods of 1–5 years are available from some banks before converting to a variable rate. Always compare the rate after the fixed period ends, not just the introductory offer, when evaluating competing bank proposals. Beyond the monthly EMI, buying property in Dubai involves several mandatory fees that buyers must budget for upfront. The Dubai Land Department (DLD) transfer fee is 4% of the purchase price — one of the highest property transfer fees among major global cities, and non-negotiable. If you are financing the purchase, the mortgage must be registered with the DLD at 0.25% of the loan amount plus an AED 290 administrative fee. Real estate agent commissions typically run at 2% of the purchase price on secondary market transactions. A property valuation by a bank-approved valuer is also required before mortgage approval, typically costing AED 2,500–4,000. Our Buying Costs tab calculates all of these automatically for your inputs, giving you a clear total cash-required figure that goes well beyond the down payment alone. The maximum mortgage tenure in the UAE is 25 years, subject to an age cap: the loan must be fully repaid before the borrower reaches 65 (for salaried employees) or 70 (for self-employed borrowers). A 45-year-old applying for a mortgage has a maximum effective term of 20 years regardless of what the bank advertises as its maximum. Factor this into your planning, particularly if you are mid-career. Understanding the amortization schedule is valuable for any long-term borrower. In the early years of a UAE mortgage, the majority of each payment covers interest rather than principal. As the balance falls, the interest portion shrinks and more of each payment reduces the actual loan. This is why making extra repayments in the first five years of a mortgage has a disproportionately large impact on total interest paid over the life of the loan. Our amortization table and annual bar chart make this shift visible year by year.