Dubai mortgage calculator

Your monthly Dubai home loan payment, plus the DLD, registration and trustee fees the generic calculators leave out. Adjust the inputs and the figures update instantly.

AED 1,500,000
AED 300KAED 100M
20%
5%80%
4.25%
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 6,501
per month
Finance amount
AED 1,200,000
Down payment
AED 300,000
Total interest
AED 750,257
Total repaid
AED 1,950,257
Check your eligibility →

The cash you actually need to buy in Dubai

The monthly figure above is the mortgage payment only. Buying in Dubai also means several one-time costs the generic calculator leaves out. Here is the full day-1 cash on an AED 1,500,000 purchase with a 20% deposit.

Down payment (20%, expat first home)AED 300,000
DLD transfer fee (4% + AED 580 admin)AED 60,580
Mortgage registration (0.25% of loan + admin)AED 3,290
Transfer trustee office feeAED 4,200
Property valuation (RERA approved)AED 3,000
Agency fee (2%)AED 30,000
Total cash to closeAED 401,070

Figures are indicative for an expat buying a first ready home under AED 5 million, June 2026. The DLD transfer fee is 4% of the price, mortgage registration is 0.25% of the loan, and the agency fee is typically 2%. Trustee and valuation fees vary slightly by provider. For a full fee breakdown see our UAE mortgage costs guide.

How the Dubai calculator works

Set the property value and deposit, and the calculator finds your loan amount, then repays it on a reducing balance over your chosen term at your chosen rate. It applies the CBUAE caps automatically: 80% loan to value on a first home under AED 5 million (so a minimum 20% deposit for expats), a 50% debt burden ratio, and a 7 times annual income ceiling. The rate field is a reducing-balance rate, the same basis all the rates on our current UAE mortgage rates page use, so you can input any of them directly. For a bank-specific estimate, try our ADCB, Emirates NBD, FAB or Dubai Islamic Bank calculators.

Frequently asked questions

How is a Dubai mortgage payment calculated?

The monthly payment uses reducing-balance amortisation: the loan amount (property price minus deposit) repaid in equal monthly instalments over the term at your rate. On an AED 1,500,000 Dubai home with 20% down, the AED 1,200,000 loan costs about AED 6,501 a month at 4.25% over 25 years. This is the same EMI method every Dubai bank uses.

How much cash do I need to buy in Dubai, not just the deposit?

On top of the 20% deposit you pay the Dubai Land Department transfer fee (4% of the price plus a small admin fee), mortgage registration (0.25% of the loan plus admin), the transfer trustee office fee, a RERA-approved valuation, and the agency fee (usually 2%). On an AED 1,500,000 purchase these one-time costs add roughly AED 101,070 on top of the AED 300,000 deposit, so budget around AED 401,070 in total cash to close.

Is this a Dubai home loan EMI calculator?

Yes. The monthly figure is your equated monthly instalment (EMI) on a reducing balance. Adjust the property value, deposit, rate and term above and the EMI updates instantly, with the CBUAE 80% loan-to-value and 50% debt burden caps applied so the result reflects what a Dubai bank would approve.

See which Dubai bank will lend it.

Compare every Dubai mortgage rate and check your eligibility in under two minutes.

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