EIBOR 3M 4.30% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89% EIBOR 3M 4.30% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89%

CBD mortgage calculator

Rates refreshed 5 October 2026

Commercial Bank of Dubai fixes 3.99% for 3 years and charges a 0.26% arrangement fee. The slider starts at that rate; move it to the rate CBD quotes you.

AED 1,500,000
AED 300KAED 100M
20%
5%80%
3.99%
1.00%10.00%
25 years
5 years25 years
Figures are indicative. Use the eligibility checker to see what this looks like for your circumstances.

Your estimated payment

AED 6,327
per month
Finance amount
AED 1,200,000
Down payment
AED 300,000
Total interest
AED 698,225
Total repaid
AED 1,898,225
Check your eligibility →

CBD mortgage rates at a glance

Indicative figures. Confirm the live rate on our current UAE mortgage rates page before you apply.

Indicative fixed rate3.99% reducing, fixed for 3 years; 4.89% on a 1-year fix and 4.19% on a 5-year
Rate typeConventional and Islamic, fixed then variable
Arrangement fee0.26%, so AED 3,120 on an AED 1,200,000 loan
Rate after the fixed periodCommercial Bank of Dubai reverts to 3-month EIBOR (4.30%) + 1.69% below 50% loan to value, or + 1.79% above, so 5.89% or 5.99% on the 5 October 2026 fixing
Max loan to value, first home under AED 5M80% expats, 85% nationals
Max term25 years

About a CBD mortgage

Commercial Bank of Dubai is a mid-size UAE lender established in 1969 and majority-owned by the Investment Corporation of Dubai, the emirate's sovereign wealth arm. Its home loans come in conventional and Islamic form and are available to UAE residents, both nationals and expats. CBD fixes 3.99% for 3 years, charges 4.89% for a 1-year fix and 4.19% for a 5-year, and takes a 0.26% arrangement fee. When the fix ends, Commercial Bank of Dubai moves the rate to 3-month EIBOR plus 1.69% if you borrow less than 50% of the property's value, or plus 1.79% above that. It is strongest as a relationship lender: existing CBD current account and business customers are the profile most likely to see sharp pricing. CBUAE limits are identical to every UAE bank: 50% debt burden ratio, 80% loan to value on an expat first home under AED 5 million, 25-year maximum term. The calculator preloads CBD's 3.99% 3-year rate. The full product detail is in the CBD mortgage guide, and every published UAE rate is on the live rates page.

What buyers ask about CBD home loans

What is CBD's mortgage rate in 2026?

CBD's rate on file is 3.99% fixed for 3 years, with 4.89% on a 1-year fix and 4.19% on a 5-year, and a 0.26% arrangement fee. After the fix, Commercial Bank of Dubai moves the rate to 3-month EIBOR plus 1.69% below 50% loan to value, or plus 1.79% above, which was 5.89% or 5.99% on the 5 October 2026 fixing. The calculator preloads 3.99%; swap in your quoted rate for an exact figure.

Does CBD offer Islamic mortgages?

Yes. Commercial Bank of Dubai writes both conventional and Islamic home finance, so ask CBD to quote the Islamic version beside the 3.99% on file. Among the Islamic banks, the lowest rate we can source is 3.75% at Sharjah Islamic Bank, then ADIB at 3.99% and Dubai Islamic Bank at 4.10%.

How much is a CBD home loan per month?

At the 3.99% rate the calculator preloads, an AED 1,200,000 loan over 25 years costs about AED 6,327 a month. On CBD's 1-year fix at 4.89% the same loan costs roughly AED 6,938, so ask CBD to price each fixed term before you choose one.

One quote is not a comparison.

Check CBD against products from major UAE lenders on rate, fees and reversion margin.

Compare all UAE rates Check eligibility

Sources