EIBOR 3M 3.69% CBUAE Base 3.65% Best Islamic 3.25% Best Conventional 3.70% EIBOR 3M 3.69% CBUAE Base 3.65% Best Islamic 3.25% Best Conventional 3.70%
حاسبة التمويل العقاري في الإمارات

Mortgage Calculator

Adjust the sliders and see your estimated monthly payment update in real time. Uses the standard amortisation formula with CBUAE-compliant parameters.

قيمة العقار
AED 1,500,000
AED 300KAED 100M
الدفعة المقدمة
20%
5%80%
معدل الفائدة السنوي
4.50%
1.00%10.00%
مدة القرض
25 years
5 years25 years
Figures shown are indicative. Use the eligibility checker to see what this looks like for your circumstances.

Your Estimated Payment

AED 7,399
per month
Finance Amount
AED 1,200,000
Down Payment
AED 300,000
Total Interest
AED 1,019,656
Total Repaid
AED 2,219,656
Check Your Eligibility →
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قواعد البنك المركزي

CBUAE Mortgage Rules

These Central Bank regulations determine your maximum borrowing. Banks cannot lend beyond these limits.

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Debt Burden Ratio (DBR)

Total monthly debt payments cannot exceed a percentage of your gross income. UAE Nationals: 60%. Expats: 50%. Non-residents: 45%.

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Loan-to-Value (LTV)

Maximum loan as a percentage of property value. First home under AED 5M: up to 80%. Over AED 5M: 70% (nationals) or 65% (expats).

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Income Multiple

Maximum total borrowing as a multiple of annual income. Nationals: 8x. Expats: 7x. Non-residents: 5x.

Three-limitation rule: Your actual maximum is the lowest of these three calculations. If DBR limits you to AED 1.2M, LTV to AED 1.5M, and income to AED 2M, your max is AED 1.2M.
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