Mortgage calculator
Work out the monthly payment and, just as importantly, the cash needed on day one. Deposit minimums follow UAE residency rules and step up above AED 5M.
Mortgage calculator
Estimate your monthly payment and the cash you need upfront.
Estimated monthly payment
AED 6,170
at 3.75% over 25 years
- Down payment
- AED 300,000
- Loan amount
- AED 1,200,000
- Total interest
- AED 650,872
- Total cost
- AED 2,150,872
Payment breakdown
Estimates for guidance only. Your bank sets the actual rates, fees and eligibility. The down payment is capped at 80% of the purchase price.
Common questions
How much deposit do I need to buy in the UAE?
A UAE resident needs at least 20% of the purchase price, a UAE national 15%, and a non-resident 40%. Above AED 5 million the resident and national minimums step up to 30% and 25%. The calculator applies whichever residency you select and will not let the deposit fall below it.
What are the upfront costs on top of the deposit?
Six charges: the land department transfer fee (4% of the price plus a title deed fee), the registration trustee fee, mortgage registration at 0.25% of the loan, the agency fee at 2% plus VAT, the bank arrangement fee of up to 1% of the loan plus VAT, and the bank valuation. Together they come to roughly 7–8% of the purchase price.