UAE mortgage calculator
Work out your monthly payment, the cash you need on day one, and your debt burden ratio, using the same limits a UAE bank applies. Then send me the figures and I will tell you what is realistic.
Think like a lender.
Your borrowing capacity isn’t fixed. It’s structured. Model your payment, day-one cash and debt burden the way a bank will read them.
Minimum 20% for a first expat purchase at this price.
Estimated monthly payment
AED 10,835
Loan AED 2,000,000 · LTV 80% · 25 years
Lower payments can cost more. At 20 years you’d pay AED 1,550 more per month and save AED 278,103 in interest.
Day-one cash needed
AED 666K
Down payment plus estimated fees
- DLD transfer fee (4%)100,580
- Mortgage registration (0.25%)5,290
- Agency fee (2% + VAT)52,500
- Trustee & title deed4,780
- Valuation3,150
An estimate, not an offer. Based on UAE Central Bank loan-to-value and 50% debt-burden limits and typical Dubai transfer costs. Real figures depend on bank credit approval, which is exactly what I check for you.
How the numbers work
How much can I borrow for a mortgage in the UAE?
Two limits apply. The UAE Central Bank caps loan-to-value, for a first completed home up to 80% of the price for expats and 85% for UAE nationals up to AED 5M, and lower above it. It also caps total monthly debt repayments at 50% of income. Whichever limit is reached first sets your maximum loan.
What is the debt burden ratio (DBR)?
Your total monthly debt repayments, including the new mortgage, as a share of your gross monthly income. The cap is 50%. Banks typically count about 5% of each credit card's full limit as a monthly payment, whether or not you use it.
What fees do I pay when buying with a mortgage in Dubai?
On top of the deposit: the 4% Dubai Land Department transfer fee, 0.25% mortgage registration, the agency fee (typically 2% plus VAT), trustee and title deed fees, and the valuation fee.
Is the calculator result a mortgage offer?
No. It is an estimate for planning. Real figures depend on bank credit approval, the property's valuation and your full profile, which is exactly what I check for you.
Tell me about your case.
WhatsApp is quickest. Lay out the whole picture in one message and I reply with a considered answer, not a sales pitch.
Salaried? Pre-approval within 24 hours.
Mortgage Specialist, First Abu Dhabi Bank · Dubai, UAE