UAE Mortgage Calculator
Estimate your monthly mortgage payment, the minimum down payment you need under Central Bank rules, and the cash you'll need for Dubai purchase costs.
Monthly mortgage payment
AED 8,893
To keep this within the 50% DBR limit you need a monthly income of at least AED 17,787 (with no other debts).
- Down payment
- AED 400,000
- Loan amount
- AED 1,600,000
- Total interest
- AED 1,067,996
Estimated Dubai purchase costs
- DLD transfer fee (4%)
- AED 80,000
- DLD admin fee
- AED 580
- Mortgage registration (0.25% + AED 290)
- AED 4,290
- Agency commission (2% + VAT)
- AED 42,000
- Valuation fee
- AED 3,150
- Bank arrangement fee (up to 1% + VAT)
- AED 16,800
- Total upfront costs
- AED 146,820
- Cash needed (down payment + costs)
- AED 546,820
Fees are typical Dubai figures and vary by bank, developer and emirate — Abu Dhabi, for example, charges a 2% registration fee instead of 4%.
Frequently asked questions
What is the minimum down payment for a mortgage in the UAE?▾
Under UAE Central Bank rules, expats buying their first home need at least 20% down on properties up to AED 5 million and 30% above that. UAE nationals need 15% and 25% respectively. Second homes need 40% (expats) or 35% (nationals), and off-plan properties need 50%.
What is the maximum mortgage term in the UAE?▾
25 years. Banks also require the loan to be repaid by retirement age — usually 65 for expats and 70 for UAE nationals — which can shorten the term for older buyers.
What upfront costs do I pay when buying property in Dubai?▾
Budget roughly 7–8% of the price on top of your down payment: the 4% Dubai Land Department transfer fee, 2% agency commission plus VAT, 0.25% mortgage registration, a valuation fee of around AED 2,500–3,500, and a bank arrangement fee of up to 1% of the loan.
How much salary do I need for a mortgage?▾
Your total monthly debt repayments, including the mortgage, can't exceed 50% of your income. Most banks also set a minimum salary of AED 15,000–25,000 a month for mortgage applicants.
Guides
More calculators
Results are estimates for guidance only and don't constitute financial advice. Confirm exact figures with your bank or employer.