Your figures
Example value: enter the rate offered by your lender.
| Year | Interest | Capital | Balance |
|---|---|---|---|
| 1 | 39,096 | 49,667 | 950,333 |
| 2 | 37,073 | 51,690 | 898,643 |
| 3 | 34,967 | 53,796 | 844,847 |
| 4 | 32,775 | 55,988 | 788,860 |
| 5 | 30,494 | 58,269 | 730,591 |
| 6 | 28,120 | 60,643 | 669,948 |
| 7 | 25,649 | 63,113 | 606,835 |
| 8 | 23,078 | 65,685 | 541,150 |
| 9 | 20,402 | 68,361 | 472,790 |
| 10 | 17,617 | 71,146 | 401,644 |
| 11 | 14,718 | 74,044 | 327,599 |
| 12 | 11,701 | 77,061 | 250,538 |
| 13 | 8,562 | 80,201 | 170,337 |
| 14 | 5,294 | 83,468 | 86,869 |
| 15 | 1,894 | 86,869 | 0 |
Monthly payment
AED 7,397
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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Retirement in the regulation
- If the loan extends beyond normal retirement age, the lender must assess whether your retirement income is adequate to repay (Art. 2.3).
- The balance outstanding at retirement must be serviceable at a 50% debt burden ratio on post-retirement income (Art. 3.1).
- End-of-service benefits cannot be used to repay (Art. 3.5).
- The term is capped at 25 years in all cases (Art. 3.3).
Shorter term, higher payment (AED 1 million at 4%, example)
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).
Related rules
Frequently asked questions
What is the maximum age for a mortgage in the UAE?
Each lender sets it in its policy (Art. 3.3). If the loan runs past retirement, your post-retirement income must cover the remaining payments at a 50% debt ratio (Art. 3.1).
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