UAE Mortgage Calculator
Estimate your monthly mortgage payments in seconds
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20%
Down payment: AED 300,000
4.5%
Typical UAE bank rates: 3.5% – 6.5%
Term: 20 years
Your Estimate
Monthly Payment
AED 0
Loan Amount
AED 0
Total Interest
AED 0
Total Amount Paid
AED 0
Down Payment
AED 0
Estimated Additional Costs
DLD Transfer Fee (4%)
AED 0
Agency Fee (~2%)
AED 0
Mortgage Registration (~0.25%)
AED 0
* Estimates only. Actual rates and fees may vary. Consult your bank for official mortgage terms. UAE Central Bank regulation requires minimum 20% down payment for expats, 15% for UAE nationals on first properties up to AED 5M.
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Minimum Down Payment
UAE nationals: 15% on properties up to AED 5M. Expats: 20% on properties up to AED 5M. Higher down payments required above AED 5M.
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Current UAE Rates
Fixed rates typically range from 3.5% to 5.5% for the first 1–5 years. Variable rates follow EIBOR + bank margin. Shop around for best rates.
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Eligibility
Most UAE banks lend to salaried and self-employed applicants. Maximum debt burden ratio is 50% of income. Loan amount typically up to 25 years.