Your figures
Example value: enter the rate offered by your lender.
| Year | Interest | Capital | Balance |
|---|---|---|---|
| 1 | 47,481 | 28,528 | 1,171,472 |
| 2 | 46,318 | 29,690 | 1,141,782 |
| 3 | 45,109 | 30,900 | 1,110,883 |
| 4 | 43,850 | 32,159 | 1,078,724 |
| 5 | 42,540 | 33,469 | 1,045,255 |
| 6 | 41,176 | 34,832 | 1,010,423 |
| 7 | 39,757 | 36,251 | 974,172 |
| 8 | 38,280 | 37,728 | 936,443 |
| 9 | 36,743 | 39,265 | 897,178 |
| 10 | 35,143 | 40,865 | 856,313 |
| 11 | 33,478 | 42,530 | 813,783 |
| 12 | 31,746 | 44,263 | 769,520 |
| 13 | 29,942 | 46,066 | 723,454 |
| 14 | 28,066 | 47,943 | 675,511 |
| 15 | 26,112 | 49,896 | 625,614 |
| 16 | 24,079 | 51,929 | 573,685 |
| 17 | 21,964 | 54,045 | 519,641 |
| 18 | 19,762 | 56,247 | 463,394 |
| 19 | 17,470 | 58,538 | 404,856 |
| 20 | 15,085 | 60,923 | 343,933 |
| 21 | 12,603 | 63,405 | 280,527 |
| 22 | 10,020 | 65,988 | 214,539 |
| 23 | 7,332 | 68,677 | 145,862 |
| 24 | 4,534 | 71,475 | 74,387 |
| 25 | 1,622 | 74,387 | 0 |
Monthly payment
AED 6,334
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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The repayment rules
- Reducing balance: interest is charged only on the capital still owed (Art. 3.5).
- Frequency: at least quarterly (Art. 3.5).
- Source: salary, verifiable business or rental income; end-of-service benefits are not allowed (Art. 3.5).
- Interest-only: investment loans only, 5 years maximum (Art. 3.6).
- You receive the total cost of the loan over its life (Art. 4).
Capital and interest over time (AED 1.2 million, 4%, 25 years, example)
| Year | Interest paid | Capital repaid | Balance |
|---|---|---|---|
| 1 | AED 47,481 | AED 28,528 | AED 1,171,472 |
| 5 | AED 42,540 | AED 33,469 | AED 1,045,255 |
| 10 | AED 35,143 | AED 40,865 | AED 856,313 |
| 15 | AED 26,112 | AED 49,896 | AED 625,614 |
| 20 | AED 15,085 | AED 60,923 | AED 343,933 |
| 25 | AED 1,622 | AED 74,387 | AED 0 |
Related rules
Frequently asked questions
Can I use my end-of-service gratuity to repay my mortgage?
Not as the planned source of repayment: the regulation does not allow the use of end-of-service benefits (Art. 3.5).
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