Mortgage Calculator

Dubai Mortgage Calculator

Estimate your potential monthly mortgage payment and understand the upfront costs of buying property in Dubai. Enter your property price, down payment, estimated interest or profit rate, and loan term to get an estimated repayment amount.

Whether you're buying your first home, an investment property, or exploring your budget, this calculator helps you estimate your financing before speaking with a lender.

See Your Mortgage Options

Estimate projected rental income and long-term growth from a single property investment.

Investment amount AED

Investment horizon7 years

Annual rental yield8.5%

Annual appreciation5.0%

Auto-compound rental income

Projected value

—

Total return

—

Annualised

—

Portfolio growth

Over 7 years

Total value (incl. rental)Asset value (appreciation only)

These figures are illustrative estimates based on the assumptions selected above and do not represent actual or guaranteed returns. Real-world performance depends on the specific property, rental income, occupancy, fees, market conditions, financing structure and exit timing. Past performance is not indicative of future results.

How It Works

How the Dubai Mortgage Calculator Works

The calculator uses your property price, down payment, estimated interest or profit rate, and loan term to estimate your potential loan amount and monthly mortgage payment. Changing any of these figures can change your estimated results.

STEP 01

Property Price

The total purchase price of the Dubai property you are considering.

STEP 02

Down Payment

The amount you plan to pay upfront toward the property's purchase price. A larger down payment may reduce the amount you need to borrow.

STEP 03

Loan Amount

The estimated amount you may need to finance after accounting for your down payment.

STEP 03

Loan Amount

The estimated amount you may need to finance after accounting for your down payment.

Estimated loan amount = Property price − Down payment

STEP 03

Interest or Profit Rate

The estimated annual rate used to calculate your potential mortgage payment. Your actual rate depends on the lender and your financial circumstances.

STEP 03

Loan Term

The number of years over which you plan to repay the mortgage. A longer term may reduce your estimated monthly payment but may increase the total amount paid over the full loan term.

STEP 04

Estimated Monthly Mortgage Payment

The estimated amount you may pay each month is calculated based on the information you enter into the calculator. Your actual repayment may differ from this estimate.

Upfront Costs

How Much Down Payment Do You Need in Dubai?

The amount you may need to contribute toward a Dubai property can depend on your residency status, property type, property value, and whether the property is completed or off-plan.

For expatriates, the Central Bank of the UAE mortgage regulations set maximum loan-to-value ratios of up to 80% for a first owner-occupied property valued below AED 5 million and up to 70% for a first owner-occupied property valued above AED 5 million. For second or subsequent homes or investment properties, the maximum LTV is 60%. For off-plan property purchases, the maximum LTV is 50%.

Buyer or Property Situation

Expatriate first owner-occupied property valued at AED 5 million or less

Expatriate first owner-occupied property valued above AED 5 million

Expatriate second or subsequent home or investment property

Off-plan property

Maximum Regulatory LTV

Up to 80%

Up to 70%

Up to 60%

Up to 50%

Minimum Buyer Equity Based on LTV

At least 20%

At least 30%

At least 40%

At least 50%

These figures are maximum regulatory LTV limits, not guaranteed approval terms. A lender may offer a lower LTV based on your income, existing liabilities, credit profile, property valuation, and its own lending policies.

The equity figures above relate to the property value based on the applicable maximum LTV. They do not represent the total cash you may need to complete the purchase. Additional transaction and financing costs may also apply.

Total Costs

What Other Costs Should You Budget For?

Your estimated monthly mortgage payment is only one part of the total cost of buying property in Dubai. You may also need to budget for additional purchase and financing costs.

These costs may include:

Down payment

Government registration fees

Mortgage registration fees

Real estate agency fees

Property valuation fees

Bank processing fees

Insurance or other lender-related charges

The exact costs can vary depending on the property, transaction, lender, and your individual circumstances.

Buyer Profiles

Dubai Mortgage Calculator for Residents and Non-Residents

Whether you live in the UAE or are buying property in Dubai from another country, mortgage eligibility and lending terms can vary based on your income, financial profile, country of residence, property type, and lender requirements.

UAE Residents

UAE residents may have access to mortgage options based on factors such as income, employment status, existing financial commitments, credit history, property value, and lender requirements.

International Buyers and Non-Residents

International buyers may need to provide additional information and documentation when applying for mortgage finance. Requirements and available terms can vary between lenders and may depend on your country of residence, income source, currency, and financial profile.

If you are buying property in Dubai from India, the USA, the UK, Australia, or another country, use this calculator as a starting point for estimating your potential budget. Final eligibility and mortgage terms must be confirmed by the lender.

FAQs

Dubai Mortgage Calculator FAQs

How accurate is this Dubai mortgage calculator?

This calculator provides an estimate of your monthly mortgage payment based on the details you enter. Your actual loan amount, interest rate, and repayments may vary depending on your lender and financial profile.

Can foreigners get a mortgage in Dubai?

Yes. Eligible foreign buyers can apply for a mortgage in Dubai. Approval, loan amount, and terms depend on the lender's requirements and your financial circumstances.

How much down payment is required?

The required down payment depends on your residency status, property type, and property value. For many expatriate buyers, the minimum down payment starts at 20% for eligible properties.

Does this calculator include DLD fees?

No. This calculator estimates your mortgage repayment only. It does not include Dubai Land Department (DLD) fees, registration fees, bank charges, or other purchase costs.

What interest rate should I use?

Use the annual interest or profit rate provided by your lender. If you don't have one yet, enter an estimated rate to compare different repayment scenarios.

Can I buy an off-plan property with a mortgage?

Yes. Some banks offer mortgages for eligible off-plan properties. Loan terms and maximum financing vary by lender.

TALK TO AN EXPERT

Need Help Understanding Your Mortgage Options?

A calculator can help you estimate your potential monthly payment and property budget. Our team can help you understand your financing options and explore Dubai property opportunities that match your goals.

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