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Dubai Mortgage Calculator
Estimate monthly repayments, total interest, and full cost of ownership for a Dubai property purchase. All calculations are client-side using UAE bank rate defaults.
Loan Parameters
AED 2.00M
AED 400K cash required
Typical Dubai rates: UAE banks typically offer 3.5–5.5% for expats. Minimum 20% down payment required for properties under AED 5M. Non-residents may face higher rates and stricter LTV limits.
Repayment Summary
Monthly Payment
AED 8,893
Loan Amount
AED 1,600,000
Total Interest
AED 1,067,996
Total Cost
AED 3,067,996
Principal vs Interest Split
60.0% principal
Indicative only. Based on standard amortisation formula. Does not include DLD fees (4%), agent fees, or maintenance charges. Consult a UAE-licensed mortgage broker for final figures.
Frequently Asked Questions
What is the minimum down payment for a mortgage in Dubai?
The minimum down payment is 20% for expat residents on properties priced under AED 5M, and 30% for properties above AED 5M. UAE nationals qualify for a lower 15% minimum. Non-resident investors typically face 40–50% down payment requirements depending on the lender. These limits are set by the UAE Central Bank.
What mortgage interest rates can expats get in Dubai in 2026?
Most UAE banks offer fixed-rate introductory periods of 1–5 years between 3.5% and 5.5% for qualifying expat residents, after which the rate switches to variable (EIBOR + bank margin). Non-residents typically see rates of 4.5–6.5%. Rates vary by credit profile, employment type (salaried vs self-employed), and loan-to-value ratio.
What is the maximum LTV (loan-to-value) ratio in Dubai?
For expat residents: 80% LTV on properties up to AED 5M, 70% LTV on properties above AED 5M. UAE nationals can borrow up to 85% LTV on properties under AED 5M. Off-plan properties are subject to tighter LTVs of 50–70% depending on the developer and bank. All limits are governed by UAE Central Bank mortgage regulation.
Can non-residents get a mortgage in Dubai?
Yes. Several UAE banks — including ADCB, Emirates NBD, Mashreq, and HSBC — offer mortgages to non-resident foreigners. Expect a higher down payment (40–50%), higher interest rates, and stricter income documentation. Maximum loan term is typically 15–20 years for non-residents versus 25 years for UAE residents.
What fees should I budget for when buying with a mortgage in Dubai?
Beyond your down payment, budget for: 4% DLD transfer fee on the purchase price, 2% real estate agent commission, 0.25% mortgage registration fee to DLD, bank arrangement fee (0.5–1% of loan amount), property valuation fee (AED 2,500–3,500), and buildings insurance. Total acquisition costs typically add 6–7% on top of the purchase price.
What is the maximum mortgage term in Dubai?
The maximum term is 25 years for expat residents, with the condition that the loan must be fully repaid before the borrower reaches age 65 (salaried) or 70 (self-employed). UAE nationals face the same 25-year cap. Non-residents are typically limited to 15–20 years. A longer term reduces monthly payments but significantly increases total interest paid.
Is it better to fix or go variable rate on a Dubai mortgage?
Most Dubai mortgages offer a fixed introductory rate (1–5 years), then revert to variable linked to EIBOR (Emirates Interbank Offered Rate) plus a bank margin. Fixed rates provide payment certainty — useful when EIBOR is rising. Variable rates benefit borrowers when EIBOR falls. Many buyers fix for 3 years then refinance. Always compare total cost of ownership across the full term, not just the introductory rate.
Planning a purchase? Get mortgage guidance.
Our team works with UAE-licensed brokers to help expat buyers secure competitive rates — whether you're buying your first Dubai property or refinancing.