Tool
Dubai mortgage calculator.
UAE Central Bank LTV caps, EIBOR-aware variable rates, and the full transaction-cost stack — DLD, registration, broker, valuation. No signup, no email gate.
Inputs
Expat resident, first home, value ≤ AED 5M: max 80% LTV.
Estimated monthly payment
AED 6,501
on a AED 1.2M loan
Loan amount
AED 1.2M
Down payment
AED 300K
Total interest
AED 750K
Min. gross income
AED 13,002 / mo
UAE 50% DSR cap
Estimated transaction costs
DLD fees, mortgage registration, broker, valuation and trustee fees.
- DLD transfer (4%)AED 60,000
- DLD adminAED 580
- Mortgage registration (0.25%)AED 3,290
- Trustee feeAED 4,200
- Broker fee (2%)AED 30,000
- Bank arrangement (1%, capped)AED 10,000
- ValuationAED 3,150
- Total upfrontAED 111,220
Estimates only. Actual rates and fees depend on your bank and underwriting outcome. Verify with a RERA-licensed advisor before transacting.
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