Dubai mortgage calculator
Work out your monthly payment, minimum deposit, total interest and upfront costs, or see how much you could borrow.
The rate is an illustration. Check current bank offers, which change often.
- Principal
- Interest
Upfront costs (estimate)
Where your payments go, year by year
principal interest. Early years are mostly interest; the balance shifts to principal over time.
Assumes a UAE resident buying a first ready property (80% loan-to-value) and the Central Bank limit of 50% of income for all debt payments.
This calculator gives estimates for planning only and is not a bank offer or financial advice. Loan-to-value limits follow UAE Central Bank rules as generally applied; each bank sets its own criteria, rates and fees.
What you pay when you buy with a mortgage
A mortgage covers the price minus your deposit, but the deposit is only part of the cash you need. Budget for the Dubai Land Department transfer fee (4% of the price), the mortgage registration fee, the trustee fee, the agency fee on resale properties and the bank fees. Together they usually add 6% to 8% on top of the deposit for a ready home, which is why the calculator shows a separate “cash needed upfront” figure.
Not buying with a mortgage? Explore off-plan projects with developer payment plans, or take the property match quiz to see homes that fit your budget.
Frequently asked questions
How much deposit do I need to buy property in Dubai with a mortgage?
Under UAE Central Bank rules, UAE residents buying a first home worth up to AED 5 million can borrow up to 80% of the value, so the minimum deposit is 20%. Above AED 5 million the limit is 70% (30% deposit). For a second or further property it is generally 65%. Non-residents can usually borrow around 65%, and off-plan purchases are typically limited to about 50%. UAE nationals can borrow more. Each bank applies its own policy, so treat these as a guide.
What is the longest mortgage term in the UAE?
Up to 25 years, but banks also set an age limit. The loan usually has to end by around age 65 for salaried employees and 70 for self-employed applicants, so older applicants get shorter terms.
What upfront costs come on top of the deposit?
The main ones are the Dubai Land Department transfer fee (4% of the price plus a small admin fee), the mortgage registration fee (0.25% of the loan plus AED 10), the trustee office fee (about AED 4,000 plus VAT), an agency fee (usually 2% plus VAT on resale properties), a bank arrangement fee (up to 1% of the loan plus VAT) and a valuation fee (roughly AED 2,500 to 3,500). The calculator shows an estimate of each.
What is the debt burden ratio?
The Central Bank caps your total monthly debt payments, including the new mortgage, at 50% of your gross monthly income. The affordability tab uses this rule to estimate the largest loan you could be offered.
Fixed or variable rate?
Most UAE mortgages are fixed for 1 to 5 years and then move to a variable rate, which is EIBOR plus the bank margin. The interest rate in the calculator is an editable illustration, so check current bank offers before you decide.
Can non-residents get a mortgage in Dubai?
Yes, several UAE banks lend to non-residents, usually at a lower loan-to-value (around 65%) and with more paperwork. Interest rates and fees are often a little higher.
Can I get a mortgage on an off-plan property?
Some banks do, typically at a lower loan-to-value of around 50% and released in stages as construction progresses. Many buyers use the developer payment plan instead, which needs no bank. See our off-plan projects and their payment plans.
Is this an offer from a bank?
No. It is an estimate to help you plan. Request a quote and a Throne Properties advisor will get in touch to talk through your options.
