Your figures
Example value: enter the rate offered by your lender.
Early settlement, valuation and arrangement fees. DLD mortgage registration (0.25%) is added automatically.
Monthly difference
AED 648
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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What the regulation says
- The maximum charge to refinance elsewhere or repay early is the actual cost to the lender of breaking a fixed rate and/or the fees set by Regulation No. 29/2011 (Art. 4).
- There should be no impediment to refinancing with another institution (Art. 4).
- Your contract must include a clear pre-payment policy (Art. 4).
- Terms cannot be changed during the loan without your written agreement; fee changes need at least two months’ notice (Art. 4).
When a buyout is worth checking
Compare the interest saved with all the costs of the move: early settlement charge, new lender fees, valuation and the Dubai Land Department mortgage registration (0.25% of the new loan). The calculator above does the comparison with your figures.
Related rules
Frequently asked questions
Can my bank stop me from refinancing?
No. The regulation says there should be no impediment to refinancing with another institution (Art. 4).
What can the bank charge for early repayment?
At most the actual cost of breaking a fixed rate and/or the fees allowed by Regulation No. 29/2011, as listed in your fee schedule (Art. 4).
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.