Mortgage Calculator UAE — Payment & Affordability
Three questions decide your Dubai mortgage: what's the monthly payment, does it fit the Central Bank's 50% debt rule, and how much cash you really need on day one (spoiler: down payment + ~7.5% in fees). This calculator answers all three.
July 2026 fixed rates: 3.75–3.89% (1–2 yr), 3.89–3.99% (3 yr), 4.19–4.50% (5 yr). Best rates need salary transfer.
Monthly payment
AED 0
Enter the property price.
| Loan amount | — |
| Total interest over term | — |
| DBR check (payment + debts ≤ 50% income) | — |
| Cash needed upfront | — |
| — Down payment | — |
| — DLD 4% + trustee + admin | — |
| — Mortgage registration 0.25% + valuation | — |
| — Bank arrangement ~1% + agent 2.1% | — |
Rates move monthly. Anchors here are July 2026 (3M EIBOR ≈ 3.87%); banks price variable deals at EIBOR + 1.00–2.25%. Most banks also require life insurance (~0.3–0.8% of the loan per year) — ask for it as a separate policy, not the bank's default, to save.
The Central Bank rules that shape every UAE mortgage
- Loan-to-value caps: expats 80% (first property under AED 5M), 70% (AED 5M+), 60% (second property); UAE nationals get +5% on each; off-plan is capped at 50% for everyone.
- Debt burden ratio: all your monthly debt payments, including the new mortgage, can't exceed 50% of income.
- Term: maximum 25 years; loan must end by age 65 (salaried expats) or 70 (nationals and self-employed).
- Size cap: 7× annual income for expats, 8× for nationals.
Frequently asked questions
What are UAE mortgage rates right now?
As of July 2026: best fixed rates run 3.75–3.89% for 1–2 years, 3.89–3.99% for 3 years, and 4.19–4.50% for 5-year fixes. Variable deals price at 3-month EIBOR (~3.87%) plus a 1.00–2.25% margin. The lowest rates require transferring your salary to the lending bank.
How much down payment do I need in Dubai?
Central Bank minimums: 20% for expats on a first property under AED 5M (30% above AED 5M, 40% on a second property), 15% for UAE nationals, and 50% for off-plan purchases regardless of buyer. Non-residents typically face 40–50% under bank policy.
What upfront fees come on top of the down payment?
Roughly 7–8% of the price: DLD transfer fee 4% + AED 580 admin, trustee office ~AED 4,200, mortgage registration 0.25% of the loan + AED 290, valuation AED 2,500–3,500, bank arrangement 0.5–1% of the loan, agent 2% + VAT, developer NOC AED 500–5,000.
What is the 50% DBR rule?
Your total monthly debt payments — the new mortgage plus car loans, personal loans and card minimums — cannot exceed half your monthly income. Banks apply it strictly; paying off a car loan before applying can materially raise your budget.
Can non-residents get a UAE mortgage?
Yes, several banks lend to non-residents, but at 50–60% LTV, often at higher rates and with a narrower property list — that's bank policy rather than a Central Bank cap.
Sources
- Mortgage regulations (LTV, DBR, terms) — Central Bank of the UAE Rulebook
- EIBOR fixings — CBUAE
- DLD fees — Dubai Land Department
Rules and rate anchors re-verified on 8 August 2026. Rates refresh in our weekly data cycle.
Related tools
- RERA Rent Increase Calculator — compare buying against your rent trajectory.
- Golden Visa Eligibility Check — AED 2M property unlocks 10-year residency, mortgages count.