Mortgage Calculator UAE

Plan your property purchase in the UAE with our comprehensive mortgage calculator. Estimate your monthly payments in AED, total interest, and calculate all essential upfront costs, including the down payment and DLD fees. Designed for buyers in Dubai, Abu Dhabi, and across the Emirates. Explore more financial tools on CalculatorBolt.

Calculate Your UAE Mortgage

Total purchase price
Min 20% for expats, 20% for UAE nationals on second home
Annual interest rate
Duration of the mortgage

Preset Scenarios

UAE Fees Editor

Customize fees to match your specific situation.

Fee Name Value
DLD Fee (%)
DLD Admin Fee (AED)
Mortgage Registration (%)
Registration Admin Fee (AED)
Valuation Fee (AED)

Export

How to Calculate Your UAE Mortgage

This calculator helps you understand the full financial commitment of buying a property. Enter the property price and your down payment to determine the loan amount. Then, add the interest rate and loan term to see your monthly payments. We also automatically estimate the standard fees associated with buying property in the UAE.

Inputs Explained

  • Property Price (AED): The total purchase price of the property.
  • Down Payment (%): The portion of the property price you pay upfront. The UAE Central Bank sets minimums (e.g., 20% for expats).
  • Interest Rate (%): The annual interest rate offered by the bank.
  • Loan Term (Years): The duration of the mortgage.

Example

For a AED 2,000,000 property with a 20% down payment, a 4.5% interest rate over 25 years:

  • Loan Amount: AED 1,600,000
  • Monthly Payment: AED 8,894
  • Total Upfront Cost (Estimate): AED 503,580 (includes AED 400,000 down payment + fees)
  • Total Interest Paid: AED 1,068,200

Understanding UAE Mortgage Costs

Buying a property involves more than just the mortgage. This calculator includes key upfront costs: the Down Payment, Dubai Land Department (DLD) fees (typically 4% of the property price), a Mortgage Registration Fee (0.25% of the loan amount), and a Property Valuation Fee. These can add up, so it's crucial to budget for them.

FAQs

For UAE nationals, it's 20% for a first home and 30% for a second home. For expatriates, it's 25% for a first home and 35% for a second home. These are set by the UAE Central Bank.

In addition to the mortgage, you should budget for DLD fees, mortgage registration fees, agency fees (typically 2% + VAT), property valuation fees, and NOC fees from the developer.

This calculator uses a conventional loan structure. Islamic finance products like Murabaha have different calculation methods. Consult with banks offering Islamic products for specific details.

No. All calculations happen in your browser. You can use the Share Link or Export features to save your results.

The Dubai Land Department (DLD) fee is typically 4% of the property price plus an administrative fee of AED 580. This is the standard transfer fee in Dubai.

The calculator uses standard UAE fee structures. Actual fees may vary slightly between emirates and banks. Always verify with your bank or mortgage broker.

Disclaimer

This calculator provides an estimate based on the data you enter and standard UAE fee structures. It is not a loan offer. Interest rates, fees, and lending criteria are determined by individual banks and can vary based on your financial profile. Consult with a qualified mortgage broker or financial advisor in the UAE for accurate and personalized advice.

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Author: CalculatorBolt Editorial Team
Reviewed by: Real Estate Finance Specialist
Published: • Updated: