بحث
Free Tool · Dubai 2026

Dubai Mortgage Calculator

Instantly calculate your monthly payments, total loan costs, and see whether you qualify for the UAE Golden Visa — for any Dubai property.

🏦 UAE Resident & Non-Resident
📊 Real-Time Results
🛂 Golden Visa Check Included
Mortgage Payment Calculator
UAE Resident — up to 80% LTV · 25-year max term
Property Price AED 2,000,000
AED 300KAED 20M
AED
Down Payment 20% — AED 400,000
5%80%
%
AED
✓ LTV: 80% — Within resident limit
Annual Interest Rate 3.99%
1%10%
% p.a.
Loan Term 25 years
5 yrs25 yrs
years
Monthly Repayment
AED 8,447
per month for 25 years
Property Price AED 2,000,000
Down Payment AED 400,000 (20%)
Loan Amount AED 1,600,000
Total Interest Paid AED 934,061
Total Amount Paid AED 2,534,061
Loan-to-Value (LTV) 80.0%
Principal vs Interest Breakdown
Principal — 63%
Interest — 37%
Repayment Snapshot
Year 1 — Outstanding Balance—
Year 5 — Outstanding Balance—
Year 10 — Outstanding Balance—
Halfway Point Balance—
Speak to a Mortgage Advisor →
Rate Comparison

Compare Rates from Dubai's Top Banks

Based on your loan amount of AED 1,600,000, here's how monthly payments compare across major lenders. Click any card to apply that rate to the calculator.

* Rates are indicative as of 2025 and subject to change. Consult our advisors for current rates and personalised offers.

Affordability

How Much Can I Afford?

UAE Central Bank caps total monthly debt repayments at 50% of gross income (Debt Burden Ratio). Enter your income to find your maximum borrowing power.

🧮 Affordability Inputs
Monthly Gross Income
AED
Existing Monthly Loan Payments
AED
Interest Rate
% p.a.
Loan Term
years
Buyer Type
📊 Your Affordability Results
AED 3,267,000
Maximum loan amount
Max Monthly Repayment (50% DBR) AED 12,500
Remaining DBR After Existing Loans AED 12,500
Max Property Price (Resident 20% DP) AED 4,084,000
Minimum Deposit Required AED 817,000
Golden Visa Property Range ✓ Eligible
Common Questions

Mortgage FAQs

Quick answers to the questions we hear most often.

How accurate is this calculator?
The calculator uses the standard amortisation formula and gives a reliable estimate. Actual approved rates and amounts depend on your income, credit profile, and the specific bank's criteria. Use it for planning — our advisors will give you exact figures.
Can non-residents get a mortgage in Dubai?
Yes — select UAE banks offer mortgages to non-residents at up to 50% LTV. Switch to "Non-Resident" mode above to see calculations based on your eligibility.
What is the Debt Burden Ratio (DBR)?
The UAE Central Bank caps total monthly loan repayments at 50% of gross monthly income. If you earn AED 30,000/month, your total monthly debt payments cannot exceed AED 15,000. This includes all existing loans.
Does buying a mortgaged property qualify for Golden Visa?
Yes — the UAE Golden Visa requires a completed property valued at AED 2M+. A mortgage does not disqualify you, but the property must be fully completed (not off-plan) and the outstanding mortgage should not exceed 50% of the property value.
Is Islamic finance available in Dubai?
Yes — Dubai Islamic Bank, Emirates Islamic, and ADIB offer Sharia-compliant Murabaha and Diminishing Musharaka products at comparable rates to conventional mortgages. These are widely used by both Muslim and non-Muslim buyers.
What other costs should I budget for?
Beyond your deposit, budget for: DLD transfer fee (4%), agent commission (2%), bank arrangement fee (0.25–1%), DLD mortgage registration (0.25% of loan), and property valuation (AED 2,500–3,500). Total transaction costs are typically 6–8% of property value.
Free Advice

Get a Personalised Mortgage Quote

Our Dubai mortgage specialists compare rates from all major UAE banks on your behalf — saving you time and securing the best deal for your profile. Residents and non-residents welcome.

Free comparison across Emirates NBD, ADCB, DIB, Mashreq & more
Pre-approval support — documents and process managed for you
Non-resident mortgage specialists — we know which banks to approach
Islamic finance options — Murabaha and Musharaka guidance
Golden Visa eligibility check included with every consultation

Contact Our Mortgage Team

We typically respond within 2 hours on business days

Available for Sale