UAE mortgage calculator
Your monthly payment, the minimum down payment the law allows, and every fee you pay up front in Dubai. Built on the Central Bank’s rules for expats and UAE nationals, checked 12 October 2026.
Minimum by law: AED 300,000 (20%)
Rates change often: ask your bank for today’s rate. Maximum term 25 years.
Fees you can adjust
Monthly payment
AED 6,670
- Loan
- AED 1,200,000
- Loan-to-value
- 80%
- Total interest
- AED 800,997
Cash you need up front
| Down payment20% of the price | AED 300,000 |
| DLD transfer fee4% of the price + AED 580 admin | AED 60,580 |
| Mortgage registration0.25% of the loan + AED 290 | AED 3,290 |
| Registration trusteeAED 4,000 + VAT | AED 4,200 |
| Agent commission2% of the price + VAT | AED 31,500 |
| Bank arrangement fee1% of the loan + VAT | AED 12,600 |
| ValuationPaid to the bank's valuer, + VAT | AED 3,150 |
| Total up front | AED 415,320 |
Of which fees: AED 115,320 (7.7% of the price).
Income banks will want to see
AED 14,286 a month
At least, before other loans and credit cards. All your repayments must stay under half your income, and the loan under 7 years of income.
How much can you borrow?
The Central Bank of the UAE caps how much of a property’s value a bank may lend (the loan-to-value, or LTV). Banks can lend less, never more.
| Property | Expats | UAE nationals | Minimum deposit |
|---|---|---|---|
| First home up to AED 5M | 80% | 85% | 20% / 15% |
| First home above AED 5M | 70% | 75% | 30% / 25% |
| Second home or investment | 60% | 65% | 40% / 35% |
| Off-plan (any buyer) | 50% | 50% | 50% |
Source: CBUAE Rulebook, Mortgage Loans, Article 3. Checked 12 October 2026.
Questions
How much deposit do I need to buy in Dubai as an expat?
For a first, completed home worth up to AED 5 million, at least 20% of the price; above AED 5 million, at least 30%. For a second home or investment it’s 40%, and for off-plan property 50%. These are the Central Bank’s maximum loan-to-value limits; banks can ask for more. On top of the deposit, budget roughly 6–7% of the price for fees.
What fees do I pay when buying property in Dubai?
The Dubai Land Department transfer fee (4% of the price plus AED 580), mortgage registration (0.25% of the loan plus AED 290), the registration trustee (AED 4,000 + VAT, or AED 2,000 + VAT under AED 500,000), the agent’s commission (usually 2% + VAT), and with a mortgage the bank’s arrangement fee (up to about 1% of the loan + VAT) and a valuation (about AED 2,500–3,500 + VAT).
What is the longest mortgage term in the UAE?
25 years. Each bank also sets its own maximum age at the final repayment, so older buyers may be offered a shorter term.
How much salary do I need for a mortgage in the UAE?
All your monthly loan repayments, including this mortgage, must stay under 50% of your income, and the mortgage can’t be more than 7 years of income for expats (8 for UAE nationals). The calculator shows the minimum monthly income that follows from both rules. Banks also test whether you could still pay if rates rose by 2–4 points.
Are these figures exact?
They follow the Central Bank’s rules and Dubai’s published fees, last checked on 12 October 2026. Your bank’s rate and fees, and the final DLD amounts, can differ, so treat this as a careful estimate, not financial advice. Other emirates have different land department fees.
This calculator gives an estimate, not financial advice. Your bank decides your rate, fees and how much it lends. Fees shown are Dubai’s; Abu Dhabi and the other emirates differ.
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