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🏠 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.

Mortgage Details

Adjust the sliders or type values to calculate

سعر العقار ١٬٥٠٠٬٠٠٠ درهم إماراتي
دفعة أولى 20% — AED 300,000
LTV: 80% · Max allowed: 80% (Resident)
معدل الفائدة السنوي 4.5%
Avg. Dubai variable rate: ~4.5–5.5% · Fixed: ~4.8–6.0%
مدة القرض ٢٥ عامًا
Max term: 25 years (Resident)

Your Results

Live calculation — updates as you adjust

💳 Monthly Mortgage Payment AED 8,237 ≈ USD 2,242 / month
📊 Loan Amount 1,200,000 درهم إماراتي
💵 Down Payment AED 300,000 (20%)
📅 Monthly Payment AED 8,237
📅 Annual Payment AED 98,844
💰 Total Interest Paid AED 1,271,100
🏦 Total Loan Repayment AED 2,471,100
🏠 Total Cost of Property AED 2,771,100
📆 5-Year Payment Schedule
YearMonthlyPrincipalInterestBalance
الإمارات العربية المتحدة
مؤهل للتأشيرة الذهبية Your property price qualifies for the UAE 10-year Golden Visa (min. AED 2,000,000).
Rates shown are indicative. Contact تروهاوز for a bank pre-approval with live market rates.
🏦

UAE Resident LTV

حتى 80% نسبة القيمة إلى القرض for first property · Up to 65% for second property · Max term 25 years

🌍

Non-Resident LTV

حتى 75% LTV for first property · Stricter income documentation · Max term 25 years

💳

Buying Costs

DLD fee 4% · Mortgage registration 0.25% · Agent fee 2% (TruHauz: 0% for buyers)

UAE Resident vs Non-Resident Mortgages

Key differences in what each buyer profile can access from UAE banks.

مقيم في الإمارات

Employed or self-employed in the UAE

  • حتى 80% نسبة القيمة إلى القرض on first property
  • حتى 65% LTV on second property
  • Loan terms up to ٢٥ عامًا
  • Age limit: loan must end by age 65 (salaried) or 70 (self-employed)
  • Required: 6 months UAE employment / 2 years self-employed
  • Minimum salary: AED 15,000/month (varies by bank)

🌍 Non-Resident

Based outside the UAE

  • حتى 75% LTV on first property
  • Loan terms up to ٢٥ عامًا
  • Higher documentation requirements
  • Income must be verifiable and stable
  • Fewer banks offer non-resident products
  • TruHauz connects you to non-resident specialist lenders

Ready to get pre-approved? TruHauz connects you to the best rates.

We work with UAE’s leading mortgage brokers — free consultation, 0% fee for buyers. RERA Lic. 60838.

Free Mortgage Consultation

Speak to a Dubai Mortgage Specialist

TruHauz connects buyers with UAE’s leading mortgage brokers. Whether you’re a resident or non-resident, we’ll find the best rate and structure for your purchase.

📞هاتف / واتساب+971 52 971 5488
📧بريد إلكترونيhello@truhauz.com
🏢مرخص من هيئة تنظيم العقارات (RERA)60838 — دبي، الإمارات العربية المتحدة

Mortgage Enquiry Form

We respond within 2 hours with lender options

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