UAE Mortgage Calculator
Set the price, down payment, rate, and term to see your monthly payment in AED — plus the loan amount, total interest, and what the mortgage really costs over its life.
How your UAE mortgage payment is calculated
This uses the standard amortization formula every UAE bank uses: equal monthly payments where early installments are mostly interest and later ones mostly principal. The payment depends on three levers — loan amount, rate, and term. A useful rule of thumb: at ~4.5% over 25 years, every AED 100,000 borrowed costs about AED 556 a month.
The rules that shape UAE mortgages
- Loan-to-value caps — set by the Central Bank: expats can borrow up to 80% on a first ready home under AED 5M (70% above), nationals 85%/75%. Investment and second properties are capped at 60%, off-plan at 50%.
- Debt burden ratio — all your debt payments combined can't exceed 50% of monthly income, which in practice often binds before the LTV cap does.
- Term and age limits — 25 years maximum, repaid by 65 (salaried) or 70 (self-employed).
- Rate structure — most loans fix for 1–5 years then float at EIBOR plus a margin (typically 1.5–2%). Model the reversion rate, not just the teaser.
Remember the payment is only part of the cash-flow picture: add the down payment plus roughly 7–10% in upfront fees (itemized here), and — if you're buying to let — check the rent covers the payment with margin using the rental yield calculator. If you're new to the process, start with our step-by-step guide to buying property in Dubai as a foreigner.
Frequently asked questions
What is the minimum down payment for a mortgage in the UAE?
For expats buying a first ready property: 20% below AED 5 million, 30% above it. UAE nationals need 15% and 25% respectively. Second or investment properties require 40% down, and off-plan purchases financed at booking require 50%. These are Central Bank caps — banks can ask for more.
What are UAE mortgage rates in 2026?
Fixed rates (typically fixed for 1–5 years, then reverting to EIBOR plus a margin) generally range from about 3.8% to 4.8% depending on the bank, your profile, and salary-transfer status. Rates track US Fed policy since the dirham is pegged to the dollar.
Can non-residents get a UAE mortgage?
Yes — several UAE banks lend to non-residents, though usually at lower loan-to-value (often 50–60%), higher rates, and with a shorter list of eligible buildings. Resident expats with a UAE salary get materially better terms.
What other costs come with a UAE mortgage?
Budget for a bank arrangement fee of up to 1% of the loan, a property valuation of around AED 3,000, mortgage registration with the DLD at 0.25% of the loan plus AED 290, and life insurance which banks require. Our buying-costs calculator itemizes all of these. Calculate all buying costs →
How long can a UAE mortgage term be?
The maximum term is 25 years, and the loan must be repaid by age 65 for salaried borrowers (70 for the self-employed) — so a 45-year-old salaried buyer is effectively capped at 20 years. Total debt payments are also capped at 50% of monthly income.
More free tools
Gross and net yield for any UAE property — after service charges, running costs, and buying fees.
DLD transfer fee, trustee, agency, and mortgage fees — the true upfront cash for a purchase.
Booking, construction installments, handover, and post-handover — any plan as a real schedule.
Run the numbers on real listings
Esto does this math on every deal — with live rents and prices for each Dubai & Abu Dhabi area.