UAE mortgage calculator
Repayments, deposit and loan-to-value limits for residents and non-residents.
Monthly repayment
AED 5,558
On a loan of AED 1,000,000 (50% loan to value)
- Deposit50% of the price
- AED 1,000,000
- Government and trustee feesDubai, ready property, including mortgage registration at 0.25% of the loan; excludes bank and registration-office service fees
- AED 87,550
- Total interest over the termAt a constant 4.5%; real rates are fixed for 1 to 5 years, then float with EIBOR
- AED 667,497
- Cash needed up front
- AED 1,087,550
UAE Central Bank rules cap lending to expatriate residents at 80% of value on a first home up to AED 5 million (70% above that). Lending on off-plan property is widely quoted as capped at 50%; confirm with the lender. Banks set their own limits for non-residents, typically 50% to 60%, and add arrangement, valuation and insurance costs. Illustration only, not an offer of finance.
Your figures
Minimum 40% for this scenario.
More options
Enter a rate you have been quoted.
Rules last reviewed 12 November 2026. Figures are estimates for planning, not quotations or advice.
Estimate monthly repayments, deposit and total interest on a UAE mortgage as a resident or non-resident buyer, with loan-to-value limits applied.
What this calculator assumes
UAE banks lend to both residents and non-residents, within limits set by the Central Bank.
Loan to value. For an expatriate resident buying a first home, the cap is 80% of the value up to AED 5 million and 70% above that. Off-plan lending is widely quoted as capped at 50%; confirm with the lender. For non-residents the banks set their own limits, which are lower: 50% to 60% is typical. The calculator applies these as a minimum deposit.
Rates. Most products fix the rate for one to five years and then float at a margin over EIBOR, the interbank rate. Enter the rate you have actually been quoted; the default is only a placeholder.
Term and age. The maximum term is 25 years, and the loan generally has to be repaid by retirement age.
Fees. Expect a bank arrangement fee, a valuation fee, life and property insurance, and the land registry's mortgage registration fee (0.25% of the loan in Dubai).
Mortgages are generally only drawn on completed property. For an off-plan purchase, that means paying the construction stages yourself and financing at handover, if at all.
Questions buyers ask
Can non-residents get a mortgage in Dubai?
Yes. Several UAE banks lend to non-residents, typically up to 50% to 60% of the property's value, with stricter income and documentation requirements than for residents.
How much deposit do I need to buy in the UAE?
Expatriate residents need at least 20% on a first home up to AED 5 million and 30% above that. Non-residents should plan on 40% to 50%. Buying costs are on top.
Can I get a mortgage on an off-plan property?
Lending on off-plan property is widely quoted as capped at 50% of value, and few banks lend before completion. Most buyers pay the construction stages in cash and take a mortgage for the handover payment.
Want these numbers for a real development?
Send us the development or budget and we'll run the figures on live prices.
- Current price list and availability, direct from the developer
- No fee to you on off-plan purchases: the developer pays us
- One salaried adviser, not on commission, from first call to handover
