Property Finance Tools

Mortgage Calculator

Estimate your monthly mortgage payments for Dubai property. Pre-filled with current UAE market rates.

Loan Details

25%

Down payment: AED 500,000

Current UAE rates: 4-5% (variable, tied to EIBOR)

Maximum tenure in UAE: 25 years (or until age 65-70)

Max LTV for residents: 80% (properties up to AED 5M)

Monthly Payment

AED 7,899

Principal + Interest

Loan Amount

AED 1,500,000

Total Interest

AED 869,700

Total Payment

AED 2,369,700

Effective Cost

118%

of property price

Payment Breakdown

Property Price AED 2,000,000
Down Payment (25%) AED 500,000
Loan Amount AED 1,500,000
Interest Rate 4.5% p.a.
Loan Term 25 years (300 months)

Disclaimer: This calculator provides estimates only. Actual rates and terms depend on your financial profile, bank policies, and property type. Consult with UAE banks for accurate quotes.

UAE Mortgage Key Facts

For UAE Residents

  • Up to 80% LTV for properties up to AED 5M
  • Up to 70% LTV for properties above AED 5M
  • Maximum tenure: 25 years
  • Age limit: 65 (employed) or 70 (self-employed)

For Non-Residents

  • Up to 75% LTV (some banks offer 80%)
  • Maximum tenure: 25 years
  • Minimum property value: AED 500,000+
  • Income verification required

Additional Costs to Consider

Mortgage Registration

0.25% of loan + AED 290

Bank Processing Fee

1% of loan amount

Property Valuation

AED 2,500-3,500

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