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
Your Results
Live calculation — updates as you adjust
| Year | Monthly | Principal | Interest | Balance |
|---|
UAE Resident LTV
Up to 80% LTV for first property · Up to 65% for second property · Max term 25 years
Non-Resident LTV
Up to 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.
🇦🇪 UAE Resident
Employed or self-employed in the UAE
- Up to 80% LTV on first property
- Up to 65% LTV on second property
- Loan terms up to 25 years
- 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
- Up to 75% LTV on first property
- Loan terms up to 25 years
- 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.
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.
Mortgage Enquiry Form
We respond within 2 hours with lender options
