Dubai mortgage calculator
What you would borrow, repay each month and pay upfront, using the UAE Central Bank limits for your profile.
Residency
Purchase
Property
How the figures work
The largest loan follows the UAE Central Bank caps: 80% for an expat’s first home up to AED 5 million and 70% above it, 85% and 75% for UAE nationals, 60% (65% for nationals) on a second home or investment, and 50% off-plan. Repayments are a standard fixed-rate annuity over the full term. Upfront cash is the down payment plus the 4% DLD fee, title deed and trustee fees, 2% agent commission with VAT, and mortgage registration at 0.25% of the loan plus about AED 290. Bank arrangement and valuation fees vary by lender and are not included.