EIBOR 3M 3.85% CBUAE Base 3.65% Best Islamic 3.90% Best Conventional 3.78% EIBOR 3M 3.85% CBUAE Base 3.65% Best Islamic 3.90% Best Conventional 3.78%

Emirates NBD mortgage calculator

Estimate your monthly payment with Emirates NBD's current indicative rate built in. Adjust the property value, deposit and term, and the figure updates instantly.

AED 1,500,000
AED 300KAED 100M
20%
5%80%
3.85%
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 6,235
per month
Finance amount
AED 1,200,000
Down payment
AED 300,000
Total interest
AED 670,523
Total repaid
AED 1,870,523
Check your eligibility →

Emirates NBD mortgage rates at a glance

Indicative figures, June 2026. Confirm the live rate on our current UAE mortgage rates page before you apply.

Lowest indicative fixed ratefrom 3.85% reducing
Rate typeConventional, fixed then variable
Reverts to3-month EIBOR (3.85%) + bank margin
Max loan to value, first home under AED 5M80% expats, 85% nationals
Max term25 years

About a Emirates NBD mortgage

Emirates NBD runs one of the largest retail networks in the UAE and is a mainstream choice for expat and national home buyers alike. It lends on ready and off-plan property, offers fixed and variable products, and supports buyout for borrowers refinancing from another bank. As with most UAE lenders, the most competitive rate is usually tied to transferring your salary to Emirates NBD. Affordability is assessed against the CBUAE caps: a 50% debt burden ratio for expats, 80% loan to value on a first home under AED 5 million, and a 7 times annual income limit, with your maximum set by whichever is lowest. The calculator above preloads Emirates NBD's current indicative fixed rate so you can see an estimated monthly payment immediately. Adjust the inputs for your own purchase, read our Emirates NBD mortgage guide for the full product detail, and use the live rates page to compare it against the rest of the market.

Frequently asked questions

What is Emirates NBD's mortgage rate in 2026?

Emirates NBD's current indicative fixed interest rate starts from 3.85% reducing. After the fixed period the rate reverts to 3-month EIBOR (3.85% as of June 2026) plus the bank's margin. The exact rate you are offered depends on your salary, deposit and whether you transfer your salary to Emirates NBD. See the live rates page for the latest figure.

How much deposit do I need for a Emirates NBD mortgage?

Under CBUAE rules the minimum deposit on a first home under AED 5 million is 20% for expats and 15% for UAE nationals, so the maximum loan to value is 80% and 85% respectively. On an AED 1,500,000 property that is a AED 300,000 deposit for an expat. Emirates NBD applies the same CBUAE limits as every other UAE bank.

Is this Emirates NBD calculator an EMI calculator?

Yes. The monthly figure is your equated monthly instalment (EMI), calculated on a reducing balance, the same method Emirates NBD uses. On an AED 1,200,000 loan over 25 years at 3.85%, the EMI is about AED 6,235 a month.

Is this the same as an Emirates NBD home loan calculator?

Yes. Home loan, house loan and mortgage all describe the same product in the UAE, and searchers use all three. This calculator returns the same monthly payment whichever term you started with.

Know your number. Now see which bank wins.

Compare Emirates NBD against products from major UAE lenders on rate, fees and eligibility.

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