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Dubai Mortgage Calculator

Model a Dubai mortgage in AED with UAE Central Bank LTV rules baked in. Toggle DLD, agency, and mortgage registration fees to see the true all-in cash needed at closing.

Monthly EMI

AED 8,893

LTV 80.00%

Property price
AED
Down payment
%

UAE Central Bank minimum: 20% for expats and 15% for nationals on properties under AED 5M.

Interest rate
% p.a.
Tenure
years

Maximum 25 years for expats, up to 30 years for UAE nationals.

Include Dubai closing fees (DLD 4%, Agency 2%, Mortgage reg 0.25%)
Loan amount
AED 1,600,000
Down payment
AED 400,000
Total interest
AED 1,067,996
Total fees
AED 125,000
All-in cash at closing
AED 525,000
Total cost of ownership
AED 2,792,996

Fee breakdown

  • DLD transfer (4%): AED 80,000
  • Agency (2%): AED 40,000
  • Mortgage registration (0.25%): AED 5,000
How this is calculated

EMI = P x r x (1 + r)^n / ((1 + r)^n - 1)

P = price x (1 - DP%), r = annual% / 12 / 100, n = years x 12

Cash at closing = down payment + DLD 4% + Agency 2% + Mortgage reg 0.25%

Total interest is EMI x n minus principal. LTV is loan divided by price.

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FAQ

Common questions

What is the minimum down payment for a Dubai mortgage?

The UAE Central Bank sets a floor of 20 percent for expat buyers on a first property under AED 5 million, and 15 percent for UAE nationals. Above AED 5 million the minimum climbs to 30 percent for expats and 25 percent for nationals. Second homes typically need 40 percent. Off-plan is capped at 50 percent LTV.

What extra fees should I budget beyond the down payment?

Plan for DLD transfer fee (4 percent), real estate agent fee (typically 2 percent), mortgage registration fee (0.25 percent of the loan plus AED 290), property valuation (roughly AED 3,000), and bank processing (up to 1 percent of the loan). All-in closing costs usually land near 7 to 8 percent of the purchase price on top of your deposit.

How is the monthly EMI calculated?

The standard amortization formula: EMI equals P times r times (1 plus r) to the power of n, divided by ((1 plus r) to the power of n minus 1), where P is the loan principal, r is the monthly interest rate, and n is the tenure in months. This assumes a fixed rate. Variable rate mortgages recalculate the EMI whenever the rate resets.

What is the maximum mortgage tenure in the UAE?

The Central Bank caps mortgage tenures at 25 years for expats and 25 to 30 years for UAE nationals. The borrower must also finish repayment before age 65 for salaried applicants and 70 for self-employed. Longer tenures reduce monthly EMI but increase total interest paid.
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Noseberry Digitals, Full-Stack Real Estate & PropTech Digital Agency