Your figures
Minimum for this profile: 20% (AED 300,000).
Example value: enter the rate offered by your lender.
25 years maximum (CBUAE).
Registration and transfer fees of the emirate, agent commission.
Monthly payment
AED 6,334
- Capital: AED 1,200,000 (63.15%)
- Interest: AED 700,213
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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By buyer profile
The rules that shape your loan
Common questions
Monthly payment by loan amount
- AED 300,000 mortgageAED 1,584/month at 4%
- AED 500,000 mortgageAED 2,639/month at 4%
- AED 750,000 mortgageAED 3,959/month at 4%
- AED 1 million mortgageAED 5,278/month at 4%
- AED 1.25 million mortgageAED 6,598/month at 4%
- AED 1.5 million mortgageAED 7,918/month at 4%
- AED 2 million mortgageAED 10,557/month at 4%
- AED 2.5 million mortgageAED 13,196/month at 4%
- AED 3 million mortgageAED 15,835/month at 4%
- AED 4 million mortgageAED 21,113/month at 4%
- AED 5 million mortgageAED 26,392/month at 4%
- AED 7.5 million mortgageAED 39,588/month at 4%
- AED 10 million mortgageAED 52,784/month at 4%
By term
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).
Frequently asked questions
Who sets the mortgage rules in the UAE?
The Central Bank of the UAE, in its Regulations Regarding Mortgage Loans (C 31/2013, consolidated 2020). They apply to every bank, finance company and Islamic lender; each lender may be stricter.
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.