Mortgage Calculator
UAE
Calculate monthly mortgage payments, total loan cost, and full amortisation for any UAE property. Includes UAE Central Bank LTV limits, DLD mortgage registration fees, and total cost of borrowing analysis.
Mortgage Calculator — UAE & Dubai
Property Price (AED)UAE Central Bank LTV Limits 2026
Understanding UAE Mortgages for Property Buyers
UAE mortgages are regulated by the UAE Central Bank under Mortgage Law 2013 (Federal Law No. 14). All UAE banks offering mortgages must adhere to Central Bank LTV limits, which cap how much you can borrow relative to the property value.
For expats buying their first UAE property valued under AED 5M, the maximum loan-to-value (LTV) is 80%, meaning a minimum 20% down payment. For properties above AED 5M, the maximum LTV drops to 70%.
UAE mortgage rates are typically EIBOR-linked (Emirates Interbank Offered Rate) for variable products, or fixed for initial periods of 1–5 years. Most borrowers opt for a fixed initial period for payment certainty.
Key UAE Mortgage Costs Beyond the Monthly Payment
DLD Mortgage Registration: 0.25% of loan amount + AED 290
Bank Arrangement Fee: 0.5–1% of loan (often negotiable)
Property Valuation: AED 2,500–3,500 (bank’s surveyor)
Life Insurance: 0.3–0.5% of outstanding balance/year (mandatory)
UAE Mortgage Example: AED 1.8M Apartment
| Item | Amount (AED) |
|---|---|
| Property Price | 1,800,000 |
| Down Payment (20%) | 360,000 |
| Loan Amount (80%) | 1,440,000 |
| Interest Rate | 4.5% p.a. |
| Loan Term | 25 years |
| Monthly Payment | ~AED 7,822 |
| Total Interest Paid | ~AED 906,600 |
| Total Repayment | ~AED 2,346,600 |
| DLD Mortgage Registration | AED 3,890 |
| Arrangement Fee (0.75%) | AED 10,800 |
How to Get a Mortgage in Dubai 2026
Apply to UAE banks for mortgage pre-approval. Requires salary certificates, bank statements (6 months), passport, Emirates ID, and visa. Process takes 3–7 business days.
With pre-approval in hand, search for your property. Pre-approval gives you a clear budget and strengthens your offer — sellers know you are a serious buyer.
Once you have an agreed property, the bank sends a RICS-certified valuer to assess the property. The bank will lend based on their valuation (not necessarily the agreed price).
Bank issues final offer letter. You sign and proceed to DLD transfer. The bank issues a manager’s cheque for the loan amount directly to the seller at transfer.
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Free · No LoginFrequently Asked Questions — UAE Mortgage
Yes. Expats with UAE residence visas can apply for UAE mortgages. The maximum LTV is 80% for first properties under AED 5M, meaning a 20% down payment minimum. Most UAE banks offer mortgages to expats with minimum salaries of AED 15,000–25,000/month. Non-residents can also access UAE mortgages but with stricter criteria and lower LTVs (typically 60–65%).
The maximum mortgage term in the UAE is 25 years. Some banks may offer shorter maximum terms to older applicants — the general rule is that the mortgage must be fully paid by age 65 (salaried) or 70 (self-employed). A 35-year-old expat can therefore access up to a 25-year term, while a 50-year-old salaried employee would be limited to 15 years.
Major UAE mortgage providers include Emirates NBD, Abu Dhabi Commercial Bank (ADCB), HSBC UAE, Mashreq, Standard Chartered, and FAB (First Abu Dhabi Bank). Rates are competitive and often similar across major banks. We recommend speaking with a qualified mortgage broker who can compare actual live rates from multiple lenders rather than relying on headline advertised rates, which may differ from offered rates based on your profile.
Fixed-rate mortgages (typically fixed for 1–5 years) offer payment certainty and protection against interest rate increases. Variable rates (EIBOR-linked) can be lower initially but fluctuate. In a rising rate environment, fixed initial periods are generally preferred. After the fixed period ends, most UAE mortgages revert to EIBOR + a spread. Longer fixed periods (3–5 years) provide more stability but may come with higher initial rates.
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