Mortgage Calculator
Mortgage payments, with the UAE rules built in
A UAE mortgage is governed by Central Bank caps that generic calculators ignore: expats put at least 20 percent down on a first home up to AED 5 million, 30 percent above that, and terms run 25 years at most. This calculator applies those rules and shows the true monthly commitment, total interest included.
Central Bank caps (2026): expat residents max 80% loan on a first home up to AED 5M, 70% above AED 5M, 60% on further properties; UAE nationals 5 points higher. Max term 25 years, total debt payments capped at 50% of income.
Estimated monthly payment
AED 13,340
Figures checked July 30, 2026. Results are estimates for orientation, not financial, legal or immigration advice. Fees and rules change and individual cases differ; verify current figures with the Dubai Land Department, your bank and your own advisors before committing.
Related tools and pages
Rates in 2026: fixed vs variable
UAE mortgages are typically priced as a fixed introductory rate for 1 to 5 years, reverting to a margin over EIBOR. In mid 2026, competitive fixed rates start just under 4 percent for short fixes, with 4 to 5 percent common for longer ones; variable pricing runs around EIBOR plus 1.25 to 3 percent. The reversion rate matters more than the teaser: check the post-fix margin and the early settlement fee before comparing headline numbers.
What the bank will actually lend you
Two caps bind every application: the loan-to-value limits by buyer type and price, and the debt burden ratio, which keeps all your monthly debt payments within 50 percent of gross income. Banks also stress-test affordability above the actual rate. Non-resident buyers face lower LTVs (commonly 50 to 65 percent) and a shorter bank list, but financing is available.
Remember that the down payment is not the only cash due: the DLD transfer fee, mortgage registration and bank fees add roughly 6 to 8 percent on top. The true cost of buying tool itemises them.
UAE mortgages: common questions
What is the minimum down payment in Dubai?+
For resident expats: 20% on a first home up to AED 5M, 30% above AED 5M, and 40% on a second property. UAE nationals pay 5 points less in each band. Non-residents typically need 35 to 50 percent depending on the bank.
What mortgage term can I get?+
Up to 25 years, ending by age 65 for employees or 70 for the self-employed. A longer term lowers the payment but raises total interest; the calculator shows both.
Can non-residents get a UAE mortgage?+
Yes, several banks lend to non-residents against Dubai property, at lower loan-to-value ratios and with more documentation. Rates are close to resident pricing.
Should I fix my rate?+
A fix buys certainty over the fixed period and nothing after it. Compare the reversion margin over EIBOR and the early settlement fee, not just the headline rate; a cheap teaser with an expensive reversion usually loses over a full term.