Calculators
Mortgage Calculator
An indicative estimate only - actual rates, fees and eligibility depend on your lender.
Estimated monthly payment
AED 8,893
- Loan amount
- AED 1,600,000
- Down payment
- AED 400,000
- Total interest
- AED 1,067,996
- Total repaid
- AED 2,667,996
Upfront cash required
AED 545,870
- DLD transfer fee (4%) + AED 580
- AED 80,580
- Mortgage registration (0.25% + AED 290)
- AED 4,290
- Bank arrangement fee (~1% of loan)
- AED 16,000
- Agency fee (2% + 5% VAT)
- AED 42,000
- Valuation fee
- AED 3,000
- Down payment
- AED 400,000
Indicative minimum monthly income (50% debt-burden ratio): AED 17,787
Amortisation
Year-by-year schedule
| Year | Principal paid | Interest paid | Remaining balance |
|---|---|---|---|
| 1 | AED 35,445 | AED 71,275 | AED 1,564,555 |
| 2 | AED 37,073 | AED 69,647 | AED 1,527,482 |
| 3 | AED 38,776 | AED 67,943 | AED 1,488,705 |
| 4 | AED 40,558 | AED 66,162 | AED 1,448,147 |
| 5 | AED 42,421 | AED 64,299 | AED 1,405,726 |
| 6 | AED 44,370 | AED 62,350 | AED 1,361,357 |
| 7 | AED 46,408 | AED 60,312 | AED 1,314,948 |
| 8 | AED 48,540 | AED 58,180 | AED 1,266,408 |
| 9 | AED 50,770 | AED 55,950 | AED 1,215,638 |
| 10 | AED 53,102 | AED 53,617 | AED 1,162,536 |
| 11 | AED 55,542 | AED 51,178 | AED 1,106,994 |
| 12 | AED 58,094 | AED 48,626 | AED 1,048,900 |
| 13 | AED 60,762 | AED 45,957 | AED 988,138 |
| 14 | AED 63,554 | AED 43,166 | AED 924,584 |
| 15 | AED 66,473 | AED 40,246 | AED 858,110 |
| 16 | AED 69,527 | AED 37,193 | AED 788,583 |
| 17 | AED 72,721 | AED 33,999 | AED 715,862 |
| 18 | AED 76,062 | AED 30,658 | AED 639,800 |
| 19 | AED 79,556 | AED 27,163 | AED 560,243 |
| 20 | AED 83,211 | AED 23,509 | AED 477,032 |
| 21 | AED 87,034 | AED 19,686 | AED 389,998 |
| 22 | AED 91,032 | AED 15,688 | AED 298,966 |
| 23 | AED 95,214 | AED 11,506 | AED 203,752 |
| 24 | AED 99,588 | AED 7,131 | AED 104,163 |
| 25 | AED 104,163 | AED 2,556 | AED 0 |
FAQs
Mortgage questions
Indicatively, UAE-resident expats can borrow up to 80% of the property value for a first home priced up to AED 5 million (70% above that), 65% for additional properties, 50% for off-plan, and 60% for non-residents. Final approval depends on the lender.
Typical one-off costs include the 4% DLD transfer fee plus AED 580 admin, mortgage registration at 0.25% of the loan plus AED 290, a bank arrangement fee of around 1% of the loan, an agency fee of 2% plus 5% VAT on resales, and a valuation fee of roughly AED 2,500-3,500.
Banks generally cap total monthly debt repayments at 50% of your monthly income (the debt-burden ratio). The estimate shown divides your monthly payment by 50% as a rough guide.
No. All figures are indicative and for illustration only. Speak to a mortgage advisor for a personalised assessment.
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