Mortgage Calculator Dubai & UAE — Built for Off-Plan Buyers
Enter the property price, your down payment, the term and the rate your bank offers: the calculator shows the monthly payment, how much you can borrow and the buying costs. Example: an AED 2,000,000 home with 20% down is an AED 1,600,000 loan, about AED 8,445 a month over 25 years at an example rate of 4%.
Rules used by the calculators come from the Central Bank of the UAE mortgage regulation: maximum loan-to-value by buyer profile, 50% for off-plan property, 50% debt burden ratio and a maximum term of 25 years.
Frequently asked questions
How do I calculate my monthly mortgage payment in Dubai?
Enter the property price, your down payment, the term (up to 25 years) and the rate offered by your bank: the calculator applies the standard repayment formula. Example: an AED 2,000,000 home with 20% down is an AED 1,600,000 loan; over 25 years at an example rate of 4% the payment is about AED 8,445 a month. Replace the example rate with your lender's offer.
How much down payment do I need for a mortgage in the UAE?
The Central Bank of the UAE sets maximum loan-to-value ratios. UAE nationals buying a first home can borrow up to 85% of the value up to AED 5 million and 75% above; expatriates up to 80% below AED 5 million and 70% above. For a second home or investment property the limits are 65% (nationals) and 60% (expatriates). The rest is your down payment. Lenders may apply lower limits.
How much can I borrow for an off-plan property?
For a property bought off plan, the maximum loan-to-value is 50%, whatever the purpose, value or category of buyer.
Is it possible to get a 100% mortgage in the UAE?
No. The regulation caps the loan-to-value, so a down payment is always needed, and it must come from your own resources, not from another loan or a credit card.
What is the maximum mortgage term in the UAE?
The maximum term is 25 years. The maximum age at the last payment is set by each lender in its own policy.
What is the debt burden ratio (DBR)?
It is the share of your income used by all your debt repayments. The regulation refers to a maximum of 50% of gross salary and regular income, and requires lenders to stress test the loan at 2 to 4 percentage points above the current rate.
Is there a limit linked to my income?
Yes. The maximum financing is 8 years of annual income for UAE nationals and 7 years for expatriates, in addition to the 50% debt burden ratio.
Can I refinance my mortgage with another lender?
Yes. The regulation states there should be no impediment to refinancing with another institution. Charges for refinancing or early repayment are limited to the actual cost to the lender (to break fixed loans) and/or the fees set by Central Bank Regulations No. 29/2011.
Do the same rules apply to Islamic home finance?
Yes. Lenders offering Sharia-compliant home finance must also comply with the mortgage regulation, in addition to the requirements of their Sharia committees.
Where does the interest rate in the calculator come from?
From you. Enter the rate offered by your lender to get your own figures. The calculators apply the regulatory limits only; the result is an indicative simulation, not a loan offer.
Can non-residents get a mortgage in Dubai?
The Central Bank of the UAE regulation sets the same maximum limits for every lender, by buyer category (UAE national or expatriate), use and value of the property. Each lender then decides in its own policy whether it finances buyers who live outside the UAE, and on which documents and income. For an expatriate, the loan is capped at 80% of the value for a first home below AED 5 million, 60% for an investment property and 50% off plan.
Which costs come on top of the down payment?
The Dubai Land Department fees on the sale (registration fee, title deed and trustee fee, per the DLD schedule) and the mortgage registration fee of 0.25% of the loan amount (DLD), plus any lender fees you enter. The buying costs tab adds them up.