Mortgage assistance
Mortgage calculator
Size up the monthly payment before you view. Set the price, your deposit and the term, and we will show the repayment alongside the fees you settle on transfer day.
Upfront costs
What you pay on transfer day, on top of the loan.
- Down payment20% of price
- AED 400,000
- DLD transfer fee4% of price + AED 580
- AED 80,580
- Agency fee2% of price
- AED 40,000
- Registration trusteePrice above AED 500k
- AED 4,200
- Mortgage registration0.25% of loan + AED 290
- AED 4,290
- Bank arrangement fee1% of loan
- AED 16,000
- Property valuationTypical bank valuation
- AED 3,150
Monthly payment
AED 8,668
over 25 years at 4.25%
- Loan amount
- AED 1,600,000
- Down payment
- AED 400,000
- Total interest
- AED 1,000,343
- Total repayment
- AED 2,600,343
Indicative only. Actual rates, fees and eligibility depend on the lender and your profile. Not a mortgage offer.
Mortgages in Dubai, briefly
How much deposit do I need?
The UAE Central Bank sets the floor: 20% of the price for expat residents, 15% for UAE nationals, and 40% for non-residents. Above AED 5 million, expect the lender to ask for more. The deposit is separate from the transfer fees, so budget for both.
How long can I borrow for?
Up to 25 years for residents, and 15 for non-residents. Lenders also cap the term at retirement age — 65 if you are salaried, 70 if self-employed — so the term you qualify for may be shorter than the maximum.
What will the rate be?
Dubai rates typically land between roughly 3% and 5%. Most buyers fix for the first two to five years, after which the rate reverts to a variable rate tracking EIBOR. The calculator assumes one rate for the whole term, so treat long-term totals as a guide.
What else do I pay on transfer day?
The DLD transfer fee is 4% of the price and is the largest single cost. On top of that come the agency fee, the registration trustee, the bank's arrangement fee, mortgage registration and a valuation. The calculator totals these into the cash you need up front.
Want the numbers checked against real lender criteria? See how our mortgage desk works or talk to an advisor.