Dubai Mortgage Calculator

Estimate your monthly payment in AED and the cash you need upfront, including the DLD transfer fee, agency fee and mortgage registration. Rates, limits and fees are editable defaults. Check current figures with your bank and the Dubai Land Department. Estimates only, not financial advice.

Home price (AED)

Down payment20%

Interest rate4.50%

Loan term25 years

Extra monthly payment (AED)

Estimated monthly paymentAED 8,893

Loan amount: AED 1,600,000
Principal and interest: AED 8,893
Total interest: AED 1,067,996

Estimated cash needed upfrontAED 524,000

Down payment: AED 400,000
DLD transfer fee (4%): AED 80,000
Agency fee (~2%): AED 40,000
Mortgage registration (~0.25% of loan): AED 4,000

Amortization schedule

Yearly amortization schedule
Year	Principal paid	Interest paid	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

Dubai mortgage FAQ

What costs should I budget for when buying in Dubai with a mortgage?

Besides the down payment, expect the Dubai Land Department transfer fee (4% of the price, commonly paid by the buyer), agency commission (often around 2%) and a mortgage registration fee (around 0.25% of the loan). Banks may add valuation and processing fees. Confirm current amounts with the lender and the Dubai Land Department.

Can foreigners get a mortgage in Dubai?

Yes, non-resident and expat buyers can usually get a mortgage from UAE banks, but the maximum loan-to-value ratio, term and documents required depend on the bank and your residency status. Ask lenders for their current limits.

How big a down payment do I need in Dubai?

It varies with residency status, property value and whether the property is ready or off-plan. The calculator lets you set any down payment so you can compare scenarios. Check the current rules with your bank.

Are the DLD fee and agency fee included in the mortgage?

Generally no. They are paid upfront in cash, which is why the calculator shows the cash needed upfront separately from the monthly payment.

What is the mortgage processing fee in the UAE?

Banks set their own processing, valuation and arrangement fees and must list them in a fee schedule attached to the loan contract, so ask each lender for theirs. The UAE Central Bank does cap early settlement: a fee of no more than 1% of the outstanding balance or AED 10,000, whichever is less (excluding VAT).

Is the interest rate fixed?

Rates are often fixed for an initial period and then variable. The calculator uses one constant rate, so treat the result as an estimate and ask your bank about rate resets.