Your figures
Example value: enter the rate offered by your lender.
| Year | Interest | Capital | Balance |
|---|---|---|---|
| 1 | 395,673 | 237,731 | 9,762,269 |
| 2 | 385,987 | 247,417 | 9,514,852 |
| 3 | 375,907 | 257,497 | 9,257,355 |
| 4 | 365,417 | 267,988 | 8,989,368 |
| 5 | 354,498 | 278,906 | 8,710,462 |
| 6 | 343,135 | 290,269 | 8,420,193 |
| 7 | 331,309 | 302,095 | 8,118,098 |
| 8 | 319,001 | 314,403 | 7,803,695 |
| 9 | 306,192 | 327,212 | 7,476,483 |
| 10 | 292,861 | 340,543 | 7,135,940 |
| 11 | 278,987 | 354,417 | 6,781,522 |
| 12 | 264,547 | 368,857 | 6,412,665 |
| 13 | 249,519 | 383,885 | 6,028,781 |
| 14 | 233,879 | 399,525 | 5,629,256 |
| 15 | 217,602 | 415,802 | 5,213,454 |
| 16 | 200,662 | 432,742 | 4,780,711 |
| 17 | 183,031 | 450,373 | 4,330,338 |
| 18 | 164,682 | 468,722 | 3,861,616 |
| 19 | 145,586 | 487,818 | 3,373,798 |
| 20 | 125,711 | 507,693 | 2,866,105 |
| 21 | 105,027 | 528,377 | 2,337,728 |
| 22 | 83,500 | 549,904 | 1,787,824 |
| 23 | 61,096 | 572,308 | 1,215,516 |
| 24 | 37,780 | 595,625 | 619,891 |
| 25 | 13,513 | 619,891 | 0 |
Monthly payment
AED 52,784
Indicative simulation, not a loan offer, an approval or financial advice. Limits shown are the regulatory maximums; each lender applies its own credit policy. Interest rates are the ones you enter. Market figures are medians of Dubai Land Department registered data and describe the past, not future prices or returns.
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Monthly payment on AED 10 million by rate and term
| Example rate | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| 3% | AED 96,561 | AED 69,058 | AED 55,460 | AED 47,421 |
| 4% | AED 101,245 | AED 73,969 | AED 60,598 | AED 52,784 |
| 5% | AED 106,066 | AED 79,079 | AED 65,996 | AED 58,459 |
| 6% | AED 111,021 | AED 84,386 | AED 71,643 | AED 64,430 |
Example rates only, not market rates. Enter your lender’s rate in the calculator above.
Total interest on AED 10 million at 4% (example)
A longer term lowers the monthly payment but raises the total interest. Repayment is on a reducing balance, as the Central Bank requires (Art. 3.5).
| Term | Monthly payment | Total interest | Total repaid |
|---|---|---|---|
| 10 years | AED 101,245 | AED 2,149,417 | AED 12,149,417 |
| 15 years | AED 73,969 | AED 3,314,383 | AED 13,314,383 |
| 20 years | AED 60,598 | AED 4,543,528 | AED 14,543,528 |
| 25 years | AED 52,784 | AED 5,835,105 | AED 15,835,105 |
Income needed to borrow AED 10 million
- 50% debt burden ratio: at least AED 105,567 gross a month, if this is your only debt (example at 4% over 25 years, before the lender’s stress test).
- Income cap for expatriates (7 years of income): at least AED 119,048 a month.
- Income cap for UAE nationals (8 years of income): at least AED 104,167 a month.
What property price a AED 10 million loan finances
| Profile | Max. LTV | Property price | Down payment |
|---|---|---|---|
| Expat, first home | 70% | AED 14,285,714 | AED 4,285,714 |
| Expat, investment | 60% | AED 16,666,667 | AED 6,666,667 |
| UAE national, first home | 75% | AED 13,333,333 | AED 3,333,333 |
| Off plan, any buyer | 50% | AED 20,000,000 | AED 10,000,000 |
Minimum down payment under the Central Bank LTV limits (Art. 3.2), before purchase costs.
The Central Bank rules in brief
They apply to every bank, finance company and Islamic lender in the UAE. They are maximums: a lender may be stricter.
- Expatriates: up to 80% of a first home below AED 5 million, 70% above, 60% for a second home or an investment (Art. 3.2).
- UAE nationals: up to 85% of a first home up to AED 5 million, 75% above, 65% for a second home or an investment (Art. 3.2).
- Off plan: up to 50% for every buyer, whatever the value or purpose (Art. 3.2 C).
- Debt burden ratio: 50% of gross salary and regular income, stress-tested 2 to 4 points above the loan rate (Art. 3.1).
- Maximum term 25 years; maximum loan 7 years of annual income for expatriates, 8 for nationals (Art. 3.3 and 3.4).
- The down payment must come from your own resources, not from a personal loan or a credit card (Art. 2.4).
Other loan amounts
Frequently asked questions
What is the monthly payment on a AED 10 million mortgage?
About AED 52,784 at 4% over 25 years, AED 73,969 over 15 years. The real figure depends on your lender’s rate: enter it in the calculator.
What salary do I need for a AED 10 million mortgage?
At least AED 119,048 gross a month for an expatriate with no other debt, at 4% over 25 years. Lenders also stress-test the rate 2 to 4 points higher (Art. 3.1).
How much does it cost to register the mortgage in Dubai?
The Dubai Land Department charges 0.25% of the loan, about AED 25,000 on AED 10 million, plus its administrative fees.
Go further
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