UAE Mortgage Calculator
Our free UAE mortgage calculator helps you simulate your UAE home finance total down-payment, monthly payments and acquisition fees.
Monthly Installments
6,327 AED / Month
Want to know how much you can afford? Use our Mortgage affordability calculator
Want to move ahead? Compare mortgage rates in the link below.
Total Mortgage Amount
1,200,000 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.
Take the next step to compare mortgage rates
Have you just used our Dubai Mortgage Calculator? Compare Dubai and UAE mortgage and home finance rates from 18+ Banks. It takes less than 2 minutes.
Mortgage calculator in Dubai, explained
For a given property value, our mortgage calculator in Dubai helps you simulate the minimum and maximum mortgage you are eligible for, calculate your mortgage monthly payout and estimate your acquisition costs.
Play around with different home prices, down payments, interest rates, and mortgage lengths to see how they impact your monthly mortgage payments.
For a given interest rate, our mortgage calculator gives you an accurate simulation of your mortgage EMI.
Important fact: for UAE residents, the maximum loan to value is 80% (85% for UAE nationals), while for non-UAE residents the maximum LTV is 75%.
If you want to calculate what is the maximum mortgage you can afford, based on your situation, you can also use our eligibility calculator.
What are the property acquisition fees in the UAE?
Our mortgage calculator UAE helps you simulate all the acquisition fees in an accurate and transparent manner.
The acquisition fees in the UAE can amount to ~6% of the property value, and these are broken down as per the below:
Land department fees
These represent the fees paid to Dubai Land Department for the change of ownership of the property.
Fees are calculated as: 4% of the property value + 580 AED admin fee.
Property registration fees
These represent the registration of the property under the new owner's name.
Fees are calculated as 4,000 AED for properties above 500,000 AED + 5% VAT.
Mortgage registration fees
These represent the fees to register your mortgage.
Fees are calculated as 0.25% of the mortgage value + 10 AED admin fee.
Real Estate agency fee
These represent the fees paid to your Real Estate agent.
Fees are usually 2% of the property value + 5% VAT.
Bank processing fee
These represent the fees paid to the Bank to arrange the mortgage.
Fees vary from 0 to 1% of the mortgage value, depending on the Banks and the profiles of the clients.
Valuation fee
These are the fees paid to the Bank to value the property.
These are usually between 2,500 and 3,500 AED + 5% VAT.
How to calculate your mortgage in Dubai and reduce your EMI
The less you spend on the purchase price of your home, the less your loan amount will be. But if the seller isn’t willing to give you a deal, you have other options.
Extend the maturity of your mortgage
In the UAE, you can have a mortgage up to 25 years depending on your age (assuming you are less than 65-year-old at the end of your mortgage, but banks can avail exceptions up to 70 years old).
So rather than trying to squeeze in your payments in a shorter period, you can go for a longer period, and pay back on a regular basis. Most of the UAE banks offer up to 20% free early payments on your mortgage on a yearly basis.
The smaller your mortgage, the smaller your monthly payments. If you are willing to put more than the minimum 15% (UAE National) or 20% (UAE resident), that can help you reduce the monthly payout drastically.
Compare and get a lower interest rate
Compare mortgage offers and make sure you are getting the best deal for your profile.
In any point of time, there is up to 2% difference between the best offer in the market, and the worse. So there is a lot of value in comparing mortgage offers before settling. Our mortgage offer comparator can help you find the best deals for your situation.
Next steps to buying your property in the UAE
Now that you have used our free mortgage simulator to simulate your monthly payout and acquisition costs, move to the next step and get a customized offer for your situation.
We can help you compare mortgage offers across 18+ Banks, show you the lowest mortgage rates offered in the UAE, and even help you get your pre-approval.
Use our mortgage affordability calculator Dubai: the full process takes less than 3 minutes to share your information and help us qualify your project.
Start now — we are 100% Free!
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