FAB mortgage calculator

Estimate your monthly payment with FAB'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%
3.99%
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 →

FAB 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 3.99% reducing
Rate typeConventional, fixed then variable
Reverts to3-month EIBOR (3.69%) + bank margin
Max loan to value, first home under AED 5M80% expats, 85% nationals
Max term25 years

About a FAB mortgage

FAB is the largest bank in the UAE by assets, and its mortgage arm lends across the salaried, self-employed and high net worth segments. As a large balance-sheet lender, FAB tends to be competitive on larger loans and on premium property, and like most UAE banks it offers its best pricing to customers who bank their salary with FAB. It lends on ready and off-plan homes and supports buyout from another lender. Affordability follows the CBUAE framework: expats are capped at a 50% debt burden ratio, 80% loan to value on a first home under AED 5 million, and 7 times annual income, whichever is lowest. The calculator above preloads FAB's current indicative fixed rate. Move the sliders to match your property value, deposit and term, then read our FAB mortgage guide for the full product detail and check the live rates page to see how FAB compares with every other UAE bank.

Frequently asked questions

What is FAB's mortgage rate in 2026?

FAB's current indicative fixed interest rate starts from 3.99% reducing. After the fixed period the rate reverts to 3-month EIBOR (3.69% 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 FAB. See the live rates page for the latest figure.

How much deposit do I need for a FAB 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. FAB applies the same CBUAE limits as every other UAE bank.

Is this FAB calculator an EMI calculator?

Yes. The monthly figure is your equated monthly instalment (EMI), calculated on a reducing balance, the same method FAB uses. On an AED 1,200,000 loan over 25 years at 3.99%, the EMI is about AED 6,327 a month.

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