Dubai Mortgage Calculator

Up to AED 5M the Central Bank cap allows 75% for expatriate residents (25% down), 80% for UAE nationals (20% down) and 50% for non-residents (50% down).

Indicative only — actual rates, eligibility and the debt-burden-ratio (max 50% of income) depend on the lender. Verify with your bank, the Central Bank of the UAE and Dubai Land Department.

Type the purchase price of the property in AED.

The Central Bank cap sets the minimum: 25% for expatriate residents and 50% for non-residents on a first property up to AED 5M, and 20% for UAE nationals.

Enter the interest rate (typically 4–5% p.a. in 2026) and the loan term in years (up to 25).

See the monthly payment, total interest, total repayment and the cash needed upfront including the DLD 4% transfer fee.

How much deposit do I need to buy property in Dubai?

It depends which of the three Central Bank categories you fall into. Under Circular 31/2013 as amended, the maximum loan-to-value on a first property up to AED 5 million is 80% for UAE nationals, 75% for expatriate residents and 50% for non-residents — so the minimum down payment is 20%, 25% and 50% respectively. Above AED 5 million the caps tighten to 70% and 65%, with non-residents unchanged at 50%. On a second property they are 65%, 60% and 45%. On top of the down payment you also pay the DLD transfer fee of 4%, so the real cash needed upfront is well above the deposit alone.

How is a Dubai mortgage monthly payment calculated?

The monthly payment is based on the loan amount (property price minus down payment), the interest rate and the term, using the standard amortisation formula. For example, a AED 1.2M loan over 25 years at 4.5% is roughly AED 6,670 a month. This calculator does the maths instantly — just enter the price, down payment, rate and term.

What are the upfront costs of buying property in Dubai?

Beyond the down payment, budget for: the DLD transfer fee of 4% of the property value (plus a small admin fee), mortgage registration of 0.25% of the loan amount, an agency commission of around 2% (plus 5% VAT) if you buy through an agent, a bank arrangement fee (often around 1% of the loan), and a property valuation fee of roughly AED 2,500–3,500. Our calculator includes the down payment, DLD fee and mortgage registration in the 'cash needed upfront'.

Can non-residents get a mortgage in Dubai?

Yes. Several UAE banks lend to non-residents, though typically at a lower loan-to-value (often 50–75%), which means a larger down payment, and sometimes at a slightly higher rate. Requirements vary by bank and nationality. Use the calculator to model a higher down payment, and speak to an adviser for lender-specific criteria.

What is the maximum mortgage term and age in the UAE?

The maximum mortgage term is generally 25 years. Most lenders require the loan to be repaid by age 65 for salaried borrowers and 70 for self-employed borrowers, so your maximum term may be shorter depending on your age. Lenders also apply a debt-burden-ratio (DBR) cap, meaning total monthly debt repayments usually cannot exceed 50% of your monthly income.

Should I choose a fixed or variable mortgage rate in Dubai?

Fixed rates lock your payment for an initial period (commonly 1–5 years), giving certainty; variable rates track EIBOR plus a margin and can rise or fall. Many buyers take a fixed period for budgeting stability, then review at the end of it. The right choice depends on your risk tolerance and how long you plan to hold the property — this calculator lets you model different rates.