Free tool
UAE mortgage calculator
Simulate your monthly instalment, total mortgage amount, down payment and the full acquisition fees on a UAE property — in seconds, for free.
Monthly installment
6,170 AED/ month
- Total mortgage amount
- 1,200,000 AED
- Down payment
- 300,000 AED
- Total acquisition fees
- 105,440 AED
- Amount required upfront
- 405,440 AED
- Dubai Land Department (4% + 580 AED)60,580 AED
- Property registration (+ 5% VAT)4,200 AED
- Mortgage registration (0.25% + 10 AED)3,010 AED
- Real estate agency (2% + 5% VAT)31,500 AED
- Bank processing fee (0.25% assumed)3,000 AED
- Valuation fee (+ 5% VAT)3,150 AED
Estimates only. Fees follow standard Dubai formulas; the bank processing fee (0%–1%) is assumed at 0.25%. Actual rates and fees vary by bank and profile.
Monthly mortgage payments in the UAE: worked examples
Indicative instalments at an 80% loan-to-value over 25 years, using a 3.70% fixed rate. Rates are indicative and vary by bank and profile.
| Property price | Down payment (20%) | Loan amount | Monthly payment |
|---|---|---|---|
| AED 1,000,000 | AED 200,000 | AED 800,000 | AED 4,091 |
| AED 1,500,000 | AED 300,000 | AED 1,200,000 | AED 6,137 |
| AED 2,000,000 | AED 400,000 | AED 1,600,000 | AED 8,183 |
| AED 3,000,000 | AED 600,000 | AED 2,400,000 | AED 12,274 |
| AED 5,000,000 | AED 1,000,000 | AED 4,000,000 | AED 20,457 |
What are the property acquisition fees in the UAE?
Acquisition fees add up to roughly 6% of the property value and are paid in cash, on top of your down payment. Here is how each line is calculated.
Dubai Land Department fees
Paid to the DLD for the change of ownership. Calculated as 4% of the property value plus a 580 AED admin fee.
Property registration fees
Registration of the property in the new owner's name: 4,000 AED for properties above 500,000 AED, plus 5% VAT.
Mortgage registration fees
Registering the mortgage itself: 0.25% of the mortgage value plus a 10 AED admin fee.
Real estate agency fee
Paid to your agent, usually 2% of the property value plus 5% VAT.
Bank processing fee
Paid to the bank to arrange the mortgage. Ranges from 0% to 1% of the mortgage value depending on the bank and your profile — we assume 0.25%.
Valuation fee
Paid to the bank to value the property, usually between 2,500 and 3,500 AED plus 5% VAT.
How to reduce your monthly payment
Extend the term. UAE mortgages run up to 25 years, subject to your age at maturity (usually 65, with exceptions to 70). A longer term lowers the instalment, and most UAE banks allow up to 20% free early repayment each year.
Increase your down payment. Putting down more than the minimum 20% (15% for UAE nationals) reduces the loan and can unlock better pricing tiers.
Compare lenders. At any point there is up to a 2% spread between the best and worst offer in the market for the same profile — which is exactly what our free comparison finds.
Mortgage calculator FAQ
Related calculators and guides
- Affordability calculatorFind the maximum property price your income and DBR support.
- How to use a Dubai mortgage calculatorWhat the numbers mean and the inputs banks actually check.
- UAE mortgage rates explainedFixed vs variable, EIBOR and where rates sit today.
- Full UAE mortgage cost breakdownEvery fee line from DLD to valuation, with worked totals.
- Refinance your mortgageSwitch banks in as fast as 10 business days and cut your payment.
- Non-resident mortgagesFinancing options if you are buying in Dubai from abroad.
