🏠 Dubai Mortgage Calculator

Calculate your monthly mortgage payment in Dubai and the total cash you need upfront – with the UAE Central Bank minimum down payments for expats, nationals and non-residents.

Quick answer: A AED 2,000,000 first home bought by a resident expat with the minimum 20% down and a 25-year mortgage at 4.25% costs AED 8,667.81 a month on the AED 1,600,000 loan; with DLD, agent and bank fees you need about AED 550,870 in cash upfront.

Updated October 2026 · Free · No sign-up · Works on any device

Monthly payment

AED 8,667.81 / month

on a AED 1,600,000.00 loan over 25 years at 4.25%

Down payment (20%)	AED 400,000.00
DLD transfer fee (4%)	AED 80,000.00
DLD admin & title deed	AED 580.00
Trustee office fee incl. VAT	AED 4,200.00
Mortgage registration (0.25% + AED 290)	AED 4,290.00
Agent commission (2% + VAT)	AED 42,000.00
Bank arrangement fee (1% + VAT)	AED 16,800.00
Valuation fee	AED 3,000.00
Total cash needed	AED 550,870.00

Upfront costs (excl. down payment): AED 150,870.00
Loan-to-value: 80% (max 80%)
Total interest: AED 1,000,342.75

Principal vs. interest paid each year

PrincipalInterest

Amortization schedule

Year	Principal	Interest	Balance
1	AED 36,723.58	AED 67,290.14	AED 1,563,276.42
2	AED 38,315.11	AED 65,698.61	AED 1,524,961.31
3	AED 39,975.60	AED 64,038.12	AED 1,484,985.71
4	AED 41,708.05	AED 62,305.67	AED 1,443,277.66
5	AED 43,515.57	AED 60,498.15	AED 1,399,762.09
6	AED 45,401.44	AED 58,612.28	AED 1,354,360.65
7	AED 47,369.04	AED 56,644.68	AED 1,306,991.61
8	AED 49,421.90	AED 54,591.82	AED 1,257,569.71
9	AED 51,563.72	AED 52,450.00	AED 1,206,005.99
10	AED 53,798.39	AED 50,215.33	AED 1,152,207.60
11	AED 56,129.88	AED 47,883.84	AED 1,096,077.72
12	AED 58,562.43	AED 45,451.29	AED 1,037,515.29
13	AED 61,100.40	AED 42,913.32	AED 976,414.89
14	AED 63,748.31	AED 40,265.41	AED 912,666.58
15	AED 66,511.06	AED 37,502.66	AED 846,155.52
16	AED 69,393.49	AED 34,620.23	AED 776,762.03
17	AED 72,400.84	AED 31,612.88	AED 704,361.19
18	AED 75,538.53	AED 28,475.19	AED 628,822.66
19	AED 78,812.20	AED 25,201.52	AED 550,010.46
20	AED 82,227.74	AED 21,785.98	AED 467,782.72
21	AED 85,791.30	AED 18,222.42	AED 381,991.42
22	AED 89,509.29	AED 14,504.43	AED 292,482.13
23	AED 93,388.43	AED 10,625.29	AED 199,093.70
24	AED 97,435.66	AED 6,578.06	AED 101,658.04
25	AED 101,658.04	AED 2,355.43	AED 0.00

Show monthly schedule (300 payments)

#	Payment	Principal	Interest	Balance
1	AED 8,667.81	AED 3,001.14	AED 5,666.67	AED 1,596,998.86
2	AED 8,667.81	AED 3,011.77	AED 5,656.04	AED 1,593,987.09
3	AED 8,667.81	AED 3,022.44	AED 5,645.37	AED 1,590,964.65
4	AED 8,667.81	AED 3,033.14	AED 5,634.67	AED 1,587,931.51
5	AED 8,667.81	AED 3,043.89	AED 5,623.92	AED 1,584,887.62
6	AED 8,667.81	AED 3,054.67	AED 5,613.14	AED 1,581,832.95
7	AED 8,667.81	AED 3,065.48	AED 5,602.33	AED 1,578,767.47
8	AED 8,667.81	AED 3,076.34	AED 5,591.47	AED 1,575,691.13
9	AED 8,667.81	AED 3,087.24	AED 5,580.57	AED 1,572,603.89
10	AED 8,667.81	AED 3,098.17	AED 5,569.64	AED 1,569,505.72
11	AED 8,667.81	AED 3,109.14	AED 5,558.67	AED 1,566,396.58
12	AED 8,667.81	AED 3,120.16	AED 5,547.65	AED 1,563,276.42
13	AED 8,667.81	AED 3,131.21	AED 5,536.60	AED 1,560,145.21
14	AED 8,667.81	AED 3,142.30	AED 5,525.51	AED 1,557,002.91
15	AED 8,667.81	AED 3,153.42	AED 5,514.39	AED 1,553,849.49
16	AED 8,667.81	AED 3,164.59	AED 5,503.22	AED 1,550,684.90
17	AED 8,667.81	AED 3,175.80	AED 5,492.01	AED 1,547,509.10
18	AED 8,667.81	AED 3,187.05	AED 5,480.76	AED 1,544,322.05
19	AED 8,667.81	AED 3,198.34	AED 5,469.47	AED 1,541,123.71
20	AED 8,667.81	AED 3,209.66	AED 5,458.15	AED 1,537,914.05
21	AED 8,667.81	AED 3,221.03	AED 5,446.78	AED 1,534,693.02
22	AED 8,667.81	AED 3,232.44	AED 5,435.37	AED 1,531,460.58
23	AED 8,667.81	AED 3,243.89	AED 5,423.92	AED 1,528,216.69
24	AED 8,667.81	AED 3,255.38	AED 5,412.43	AED 1,524,961.31
25	AED 8,667.81	AED 3,266.91	AED 5,400.90	AED 1,521,694.40
26	AED 8,667.81	AED 3,278.48	AED 5,389.33	AED 1,518,415.92
27	AED 8,667.81	AED 3,290.09	AED 5,377.72	AED 1,515,125.83
28	AED 8,667.81	AED 3,301.74	AED 5,366.07	AED 1,511,824.09
29	AED 8,667.81	AED 3,313.43	AED 5,354.38	AED 1,508,510.66
30	AED 8,667.81	AED 3,325.17	AED 5,342.64	AED 1,505,185.49
31	AED 8,667.81	AED 3,336.94	AED 5,330.87	AED 1,501,848.55
32	AED 8,667.81	AED 3,348.76	AED 5,319.05	AED 1,498,499.79
33	AED 8,667.81	AED 3,360.62	AED 5,307.19	AED 1,495,139.17
34	AED 8,667.81	AED 3,372.53	AED 5,295.28	AED 1,491,766.64
35	AED 8,667.81	AED 3,384.47	AED 5,283.34	AED 1,488,382.17
36	AED 8,667.81	AED 3,396.46	AED 5,271.35	AED 1,484,985.71
37	AED 8,667.81	AED 3,408.49	AED 5,259.32	AED 1,481,577.22
38	AED 8,667.81	AED 3,420.56	AED 5,247.25	AED 1,478,156.66
39	AED 8,667.81	AED 3,432.67	AED 5,235.14	AED 1,474,723.99
40	AED 8,667.81	AED 3,444.83	AED 5,222.98	AED 1,471,279.16
41	AED 8,667.81	AED 3,457.03	AED 5,210.78	AED 1,467,822.13
42	AED 8,667.81	AED 3,469.27	AED 5,198.54	AED 1,464,352.86
43	AED 8,667.81	AED 3,481.56	AED 5,186.25	AED 1,460,871.30
44	AED 8,667.81	AED 3,493.89	AED 5,173.92	AED 1,457,377.41
45	AED 8,667.81	AED 3,506.27	AED 5,161.54	AED 1,453,871.14
46	AED 8,667.81	AED 3,518.68	AED 5,149.13	AED 1,450,352.46
47	AED 8,667.81	AED 3,531.15	AED 5,136.66	AED 1,446,821.31
48	AED 8,667.81	AED 3,543.65	AED 5,124.16	AED 1,443,277.66
49	AED 8,667.81	AED 3,556.20	AED 5,111.61	AED 1,439,721.46
50	AED 8,667.81	AED 3,568.80	AED 5,099.01	AED 1,436,152.66
51	AED 8,667.81	AED 3,581.44	AED 5,086.37	AED 1,432,571.22
52	AED 8,667.81	AED 3,594.12	AED 5,073.69	AED 1,428,977.10
53	AED 8,667.81	AED 3,606.85	AED 5,060.96	AED 1,425,370.25
54	AED 8,667.81	AED 3,619.62	AED 5,048.19	AED 1,421,750.63
55	AED 8,667.81	AED 3,632.44	AED 5,035.37	AED 1,418,118.19
56	AED 8,667.81	AED 3,645.31	AED 5,022.50	AED 1,414,472.88
57	AED 8,667.81	AED 3,658.22	AED 5,009.59	AED 1,410,814.66
58	AED 8,667.81	AED 3,671.17	AED 4,996.64	AED 1,407,143.49
59	AED 8,667.81	AED 3,684.18	AED 4,983.63	AED 1,403,459.31
60	AED 8,667.81	AED 3,697.22	AED 4,970.59	AED 1,399,762.09
61	AED 8,667.81	AED 3,710.32	AED 4,957.49	AED 1,396,051.77
62	AED 8,667.81	AED 3,723.46	AED 4,944.35	AED 1,392,328.31
63	AED 8,667.81	AED 3,736.65	AED 4,931.16	AED 1,388,591.66
64	AED 8,667.81	AED 3,749.88	AED 4,917.93	AED 1,384,841.78
65	AED 8,667.81	AED 3,763.16	AED 4,904.65	AED 1,381,078.62
66	AED 8,667.81	AED 3,776.49	AED 4,891.32	AED 1,377,302.13
67	AED 8,667.81	AED 3,789.86	AED 4,877.95	AED 1,373,512.27
68	AED 8,667.81	AED 3,803.29	AED 4,864.52	AED 1,369,708.98
69	AED 8,667.81	AED 3,816.76	AED 4,851.05	AED 1,365,892.22
70	AED 8,667.81	AED 3,830.28	AED 4,837.53	AED 1,362,061.94
71	AED 8,667.81	AED 3,843.84	AED 4,823.97	AED 1,358,218.10
72	AED 8,667.81	AED 3,857.45	AED 4,810.36	AED 1,354,360.65
73	AED 8,667.81	AED 3,871.12	AED 4,796.69	AED 1,350,489.53
74	AED 8,667.81	AED 3,884.83	AED 4,782.98	AED 1,346,604.70
75	AED 8,667.81	AED 3,898.59	AED 4,769.22	AED 1,342,706.11
76	AED 8,667.81	AED 3,912.39	AED 4,755.42	AED 1,338,793.72
77	AED 8,667.81	AED 3,926.25	AED 4,741.56	AED 1,334,867.47
78	AED 8,667.81	AED 3,940.15	AED 4,727.66	AED 1,330,927.32
79	AED 8,667.81	AED 3,954.11	AED 4,713.70	AED 1,326,973.21
80	AED 8,667.81	AED 3,968.11	AED 4,699.70	AED 1,323,005.10
81	AED 8,667.81	AED 3,982.17	AED 4,685.64	AED 1,319,022.93
82	AED 8,667.81	AED 3,996.27	AED 4,671.54	AED 1,315,026.66
83	AED 8,667.81	AED 4,010.42	AED 4,657.39	AED 1,311,016.24
84	AED 8,667.81	AED 4,024.63	AED 4,643.18	AED 1,306,991.61
85	AED 8,667.81	AED 4,038.88	AED 4,628.93	AED 1,302,952.73
86	AED 8,667.81	AED 4,053.19	AED 4,614.62	AED 1,298,899.54
87	AED 8,667.81	AED 4,067.54	AED 4,600.27	AED 1,294,832.00
88	AED 8,667.81	AED 4,081.95	AED 4,585.86	AED 1,290,750.05
89	AED 8,667.81	AED 4,096.40	AED 4,571.41	AED 1,286,653.65
90	AED 8,667.81	AED 4,110.91	AED 4,556.90	AED 1,282,542.74
91	AED 8,667.81	AED 4,125.47	AED 4,542.34	AED 1,278,417.27
92	AED 8,667.81	AED 4,140.08	AED 4,527.73	AED 1,274,277.19
93	AED 8,667.81	AED 4,154.74	AED 4,513.07	AED 1,270,122.45
94	AED 8,667.81	AED 4,169.46	AED 4,498.35	AED 1,265,952.99
95	AED 8,667.81	AED 4,184.23	AED 4,483.58	AED 1,261,768.76
96	AED 8,667.81	AED 4,199.05	AED 4,468.76	AED 1,257,569.71
97	AED 8,667.81	AED 4,213.92	AED 4,453.89	AED 1,253,355.79
98	AED 8,667.81	AED 4,228.84	AED 4,438.97	AED 1,249,126.95
99	AED 8,667.81	AED 4,243.82	AED 4,423.99	AED 1,244,883.13
100	AED 8,667.81	AED 4,258.85	AED 4,408.96	AED 1,240,624.28
101	AED 8,667.81	AED 4,273.93	AED 4,393.88	AED 1,236,350.35
102	AED 8,667.81	AED 4,289.07	AED 4,378.74	AED 1,232,061.28
103	AED 8,667.81	AED 4,304.26	AED 4,363.55	AED 1,227,757.02
104	AED 8,667.81	AED 4,319.50	AED 4,348.31	AED 1,223,437.52
105	AED 8,667.81	AED 4,334.80	AED 4,333.01	AED 1,219,102.72
106	AED 8,667.81	AED 4,350.15	AED 4,317.66	AED 1,214,752.57
107	AED 8,667.81	AED 4,365.56	AED 4,302.25	AED 1,210,387.01
108	AED 8,667.81	AED 4,381.02	AED 4,286.79	AED 1,206,005.99
109	AED 8,667.81	AED 4,396.54	AED 4,271.27	AED 1,201,609.45
110	AED 8,667.81	AED 4,412.11	AED 4,255.70	AED 1,197,197.34
111	AED 8,667.81	AED 4,427.74	AED 4,240.07	AED 1,192,769.60
112	AED 8,667.81	AED 4,443.42	AED 4,224.39	AED 1,188,326.18
113	AED 8,667.81	AED 4,459.15	AED 4,208.66	AED 1,183,867.03
114	AED 8,667.81	AED 4,474.95	AED 4,192.86	AED 1,179,392.08
115	AED 8,667.81	AED 4,490.80	AED 4,177.01	AED 1,174,901.28
116	AED 8,667.81	AED 4,506.70	AED 4,161.11	AED 1,170,394.58
117	AED 8,667.81	AED 4,522.66	AED 4,145.15	AED 1,165,871.92
118	AED 8,667.81	AED 4,538.68	AED 4,129.13	AED 1,161,333.24
119	AED 8,667.81	AED 4,554.75	AED 4,113.06	AED 1,156,778.49
120	AED 8,667.81	AED 4,570.89	AED 4,096.92	AED 1,152,207.60
121	AED 8,667.81	AED 4,587.07	AED 4,080.74	AED 1,147,620.53
122	AED 8,667.81	AED 4,603.32	AED 4,064.49	AED 1,143,017.21
123	AED 8,667.81	AED 4,619.62	AED 4,048.19	AED 1,138,397.59
124	AED 8,667.81	AED 4,635.99	AED 4,031.82	AED 1,133,761.60
125	AED 8,667.81	AED 4,652.40	AED 4,015.41	AED 1,129,109.20
126	AED 8,667.81	AED 4,668.88	AED 3,998.93	AED 1,124,440.32
127	AED 8,667.81	AED 4,685.42	AED 3,982.39	AED 1,119,754.90
128	AED 8,667.81	AED 4,702.01	AED 3,965.80	AED 1,115,052.89
129	AED 8,667.81	AED 4,718.66	AED 3,949.15	AED 1,110,334.23
130	AED 8,667.81	AED 4,735.38	AED 3,932.43	AED 1,105,598.85
131	AED 8,667.81	AED 4,752.15	AED 3,915.66	AED 1,100,846.70
132	AED 8,667.81	AED 4,768.98	AED 3,898.83	AED 1,096,077.72
133	AED 8,667.81	AED 4,785.87	AED 3,881.94	AED 1,091,291.85
134	AED 8,667.81	AED 4,802.82	AED 3,864.99	AED 1,086,489.03
135	AED 8,667.81	AED 4,819.83	AED 3,847.98	AED 1,081,669.20
136	AED 8,667.81	AED 4,836.90	AED 3,830.91	AED 1,076,832.30
137	AED 8,667.81	AED 4,854.03	AED 3,813.78	AED 1,071,978.27
138	AED 8,667.81	AED 4,871.22	AED 3,796.59	AED 1,067,107.05
139	AED 8,667.81	AED 4,888.47	AED 3,779.34	AED 1,062,218.58
140	AED 8,667.81	AED 4,905.79	AED 3,762.02	AED 1,057,312.79
141	AED 8,667.81	AED 4,923.16	AED 3,744.65	AED 1,052,389.63
142	AED 8,667.81	AED 4,940.60	AED 3,727.21	AED 1,047,449.03
143	AED 8,667.81	AED 4,958.09	AED 3,709.72	AED 1,042,490.94
144	AED 8,667.81	AED 4,975.65	AED 3,692.16	AED 1,037,515.29
145	AED 8,667.81	AED 4,993.28	AED 3,674.53	AED 1,032,522.01
146	AED 8,667.81	AED 5,010.96	AED 3,656.85	AED 1,027,511.05
147	AED 8,667.81	AED 5,028.71	AED 3,639.10	AED 1,022,482.34
148	AED 8,667.81	AED 5,046.52	AED 3,621.29	AED 1,017,435.82
149	AED 8,667.81	AED 5,064.39	AED 3,603.42	AED 1,012,371.43
150	AED 8,667.81	AED 5,082.33	AED 3,585.48	AED 1,007,289.10
151	AED 8,667.81	AED 5,100.33	AED 3,567.48	AED 1,002,188.77
152	AED 8,667.81	AED 5,118.39	AED 3,549.42	AED 997,070.38
153	AED 8,667.81	AED 5,136.52	AED 3,531.29	AED 991,933.86
154	AED 8,667.81	AED 5,154.71	AED 3,513.10	AED 986,779.15
155	AED 8,667.81	AED 5,172.97	AED 3,494.84	AED 981,606.18
156	AED 8,667.81	AED 5,191.29	AED 3,476.52	AED 976,414.89
157	AED 8,667.81	AED 5,209.67	AED 3,458.14	AED 971,205.22
158	AED 8,667.81	AED 5,228.12	AED 3,439.69	AED 965,977.10
159	AED 8,667.81	AED 5,246.64	AED 3,421.17	AED 960,730.46
160	AED 8,667.81	AED 5,265.22	AED 3,402.59	AED 955,465.24
161	AED 8,667.81	AED 5,283.87	AED 3,383.94	AED 950,181.37
162	AED 8,667.81	AED 5,302.58	AED 3,365.23	AED 944,878.79
163	AED 8,667.81	AED 5,321.36	AED 3,346.45	AED 939,557.43
164	AED 8,667.81	AED 5,340.21	AED 3,327.60	AED 934,217.22
165	AED 8,667.81	AED 5,359.12	AED 3,308.69	AED 928,858.10
166	AED 8,667.81	AED 5,378.10	AED 3,289.71	AED 923,480.00
167	AED 8,667.81	AED 5,397.15	AED 3,270.66	AED 918,082.85
168	AED 8,667.81	AED 5,416.27	AED 3,251.54	AED 912,666.58
169	AED 8,667.81	AED 5,435.45	AED 3,232.36	AED 907,231.13
170	AED 8,667.81	AED 5,454.70	AED 3,213.11	AED 901,776.43
171	AED 8,667.81	AED 5,474.02	AED 3,193.79	AED 896,302.41
172	AED 8,667.81	AED 5,493.41	AED 3,174.40	AED 890,809.00
173	AED 8,667.81	AED 5,512.86	AED 3,154.95	AED 885,296.14
174	AED 8,667.81	AED 5,532.39	AED 3,135.42	AED 879,763.75
175	AED 8,667.81	AED 5,551.98	AED 3,115.83	AED 874,211.77
176	AED 8,667.81	AED 5,571.64	AED 3,096.17	AED 868,640.13
177	AED 8,667.81	AED 5,591.38	AED 3,076.43	AED 863,048.75
178	AED 8,667.81	AED 5,611.18	AED 3,056.63	AED 857,437.57
179	AED 8,667.81	AED 5,631.05	AED 3,036.76	AED 851,806.52
180	AED 8,667.81	AED 5,651.00	AED 3,016.81	AED 846,155.52
181	AED 8,667.81	AED 5,671.01	AED 2,996.80	AED 840,484.51
182	AED 8,667.81	AED 5,691.09	AED 2,976.72	AED 834,793.42
183	AED 8,667.81	AED 5,711.25	AED 2,956.56	AED 829,082.17
184	AED 8,667.81	AED 5,731.48	AED 2,936.33	AED 823,350.69
185	AED 8,667.81	AED 5,751.78	AED 2,916.03	AED 817,598.91
186	AED 8,667.81	AED 5,772.15	AED 2,895.66	AED 811,826.76
187	AED 8,667.81	AED 5,792.59	AED 2,875.22	AED 806,034.17
188	AED 8,667.81	AED 5,813.11	AED 2,854.70	AED 800,221.06
189	AED 8,667.81	AED 5,833.69	AED 2,834.12	AED 794,387.37
190	AED 8,667.81	AED 5,854.35	AED 2,813.46	AED 788,533.02
191	AED 8,667.81	AED 5,875.09	AED 2,792.72	AED 782,657.93
192	AED 8,667.81	AED 5,895.90	AED 2,771.91	AED 776,762.03
193	AED 8,667.81	AED 5,916.78	AED 2,751.03	AED 770,845.25
194	AED 8,667.81	AED 5,937.73	AED 2,730.08	AED 764,907.52
195	AED 8,667.81	AED 5,958.76	AED 2,709.05	AED 758,948.76
196	AED 8,667.81	AED 5,979.87	AED 2,687.94	AED 752,968.89
197	AED 8,667.81	AED 6,001.05	AED 2,666.76	AED 746,967.84
198	AED 8,667.81	AED 6,022.30	AED 2,645.51	AED 740,945.54
199	AED 8,667.81	AED 6,043.63	AED 2,624.18	AED 734,901.91
200	AED 8,667.81	AED 6,065.03	AED 2,602.78	AED 728,836.88
201	AED 8,667.81	AED 6,086.51	AED 2,581.30	AED 722,750.37
202	AED 8,667.81	AED 6,108.07	AED 2,559.74	AED 716,642.30
203	AED 8,667.81	AED 6,129.70	AED 2,538.11	AED 710,512.60
204	AED 8,667.81	AED 6,151.41	AED 2,516.40	AED 704,361.19
205	AED 8,667.81	AED 6,173.20	AED 2,494.61	AED 698,187.99
206	AED 8,667.81	AED 6,195.06	AED 2,472.75	AED 691,992.93
207	AED 8,667.81	AED 6,217.00	AED 2,450.81	AED 685,775.93
208	AED 8,667.81	AED 6,239.02	AED 2,428.79	AED 679,536.91
209	AED 8,667.81	AED 6,261.12	AED 2,406.69	AED 673,275.79
210	AED 8,667.81	AED 6,283.29	AED 2,384.52	AED 666,992.50
211	AED 8,667.81	AED 6,305.54	AED 2,362.27	AED 660,686.96
212	AED 8,667.81	AED 6,327.88	AED 2,339.93	AED 654,359.08
213	AED 8,667.81	AED 6,350.29	AED 2,317.52	AED 648,008.79
214	AED 8,667.81	AED 6,372.78	AED 2,295.03	AED 641,636.01
215	AED 8,667.81	AED 6,395.35	AED 2,272.46	AED 635,240.66
216	AED 8,667.81	AED 6,418.00	AED 2,249.81	AED 628,822.66
217	AED 8,667.81	AED 6,440.73	AED 2,227.08	AED 622,381.93
218	AED 8,667.81	AED 6,463.54	AED 2,204.27	AED 615,918.39
219	AED 8,667.81	AED 6,486.43	AED 2,181.38	AED 609,431.96
220	AED 8,667.81	AED 6,509.41	AED 2,158.40	AED 602,922.55
221	AED 8,667.81	AED 6,532.46	AED 2,135.35	AED 596,390.09
222	AED 8,667.81	AED 6,555.60	AED 2,112.21	AED 589,834.49
223	AED 8,667.81	AED 6,578.81	AED 2,089.00	AED 583,255.68
224	AED 8,667.81	AED 6,602.11	AED 2,065.70	AED 576,653.57
225	AED 8,667.81	AED 6,625.50	AED 2,042.31	AED 570,028.07
226	AED 8,667.81	AED 6,648.96	AED 2,018.85	AED 563,379.11
227	AED 8,667.81	AED 6,672.51	AED 1,995.30	AED 556,706.60
228	AED 8,667.81	AED 6,696.14	AED 1,971.67	AED 550,010.46
229	AED 8,667.81	AED 6,719.86	AED 1,947.95	AED 543,290.60
230	AED 8,667.81	AED 6,743.66	AED 1,924.15	AED 536,546.94
231	AED 8,667.81	AED 6,767.54	AED 1,900.27	AED 529,779.40
232	AED 8,667.81	AED 6,791.51	AED 1,876.30	AED 522,987.89
233	AED 8,667.81	AED 6,815.56	AED 1,852.25	AED 516,172.33
234	AED 8,667.81	AED 6,839.70	AED 1,828.11	AED 509,332.63
235	AED 8,667.81	AED 6,863.92	AED 1,803.89	AED 502,468.71
236	AED 8,667.81	AED 6,888.23	AED 1,779.58	AED 495,580.48
237	AED 8,667.81	AED 6,912.63	AED 1,755.18	AED 488,667.85
238	AED 8,667.81	AED 6,937.11	AED 1,730.70	AED 481,730.74
239	AED 8,667.81	AED 6,961.68	AED 1,706.13	AED 474,769.06
240	AED 8,667.81	AED 6,986.34	AED 1,681.47	AED 467,782.72
241	AED 8,667.81	AED 7,011.08	AED 1,656.73	AED 460,771.64
242	AED 8,667.81	AED 7,035.91	AED 1,631.90	AED 453,735.73
243	AED 8,667.81	AED 7,060.83	AED 1,606.98	AED 446,674.90
244	AED 8,667.81	AED 7,085.84	AED 1,581.97	AED 439,589.06
245	AED 8,667.81	AED 7,110.93	AED 1,556.88	AED 432,478.13
246	AED 8,667.81	AED 7,136.12	AED 1,531.69	AED 425,342.01
247	AED 8,667.81	AED 7,161.39	AED 1,506.42	AED 418,180.62
248	AED 8,667.81	AED 7,186.75	AED 1,481.06	AED 410,993.87
249	AED 8,667.81	AED 7,212.21	AED 1,455.60	AED 403,781.66
250	AED 8,667.81	AED 7,237.75	AED 1,430.06	AED 396,543.91
251	AED 8,667.81	AED 7,263.38	AED 1,404.43	AED 389,280.53
252	AED 8,667.81	AED 7,289.11	AED 1,378.70	AED 381,991.42
253	AED 8,667.81	AED 7,314.92	AED 1,352.89	AED 374,676.50
254	AED 8,667.81	AED 7,340.83	AED 1,326.98	AED 367,335.67
255	AED 8,667.81	AED 7,366.83	AED 1,300.98	AED 359,968.84
256	AED 8,667.81	AED 7,392.92	AED 1,274.89	AED 352,575.92
257	AED 8,667.81	AED 7,419.10	AED 1,248.71	AED 345,156.82
258	AED 8,667.81	AED 7,445.38	AED 1,222.43	AED 337,711.44
259	AED 8,667.81	AED 7,471.75	AED 1,196.06	AED 330,239.69
260	AED 8,667.81	AED 7,498.21	AED 1,169.60	AED 322,741.48
261	AED 8,667.81	AED 7,524.77	AED 1,143.04	AED 315,216.71
262	AED 8,667.81	AED 7,551.42	AED 1,116.39	AED 307,665.29
263	AED 8,667.81	AED 7,578.16	AED 1,089.65	AED 300,087.13
264	AED 8,667.81	AED 7,605.00	AED 1,062.81	AED 292,482.13
265	AED 8,667.81	AED 7,631.94	AED 1,035.87	AED 284,850.19
266	AED 8,667.81	AED 7,658.97	AED 1,008.84	AED 277,191.22
267	AED 8,667.81	AED 7,686.09	AED 981.72	AED 269,505.13
268	AED 8,667.81	AED 7,713.31	AED 954.50	AED 261,791.82
269	AED 8,667.81	AED 7,740.63	AED 927.18	AED 254,051.19
270	AED 8,667.81	AED 7,768.05	AED 899.76	AED 246,283.14
271	AED 8,667.81	AED 7,795.56	AED 872.25	AED 238,487.58
272	AED 8,667.81	AED 7,823.17	AED 844.64	AED 230,664.41
273	AED 8,667.81	AED 7,850.87	AED 816.94	AED 222,813.54
274	AED 8,667.81	AED 7,878.68	AED 789.13	AED 214,934.86
275	AED 8,667.81	AED 7,906.58	AED 761.23	AED 207,028.28
276	AED 8,667.81	AED 7,934.58	AED 733.23	AED 199,093.70
277	AED 8,667.81	AED 7,962.69	AED 705.12	AED 191,131.01
278	AED 8,667.81	AED 7,990.89	AED 676.92	AED 183,140.12
279	AED 8,667.81	AED 8,019.19	AED 648.62	AED 175,120.93
280	AED 8,667.81	AED 8,047.59	AED 620.22	AED 167,073.34
281	AED 8,667.81	AED 8,076.09	AED 591.72	AED 158,997.25
282	AED 8,667.81	AED 8,104.69	AED 563.12	AED 150,892.56
283	AED 8,667.81	AED 8,133.40	AED 534.41	AED 142,759.16
284	AED 8,667.81	AED 8,162.20	AED 505.61	AED 134,596.96
285	AED 8,667.81	AED 8,191.11	AED 476.70	AED 126,405.85
286	AED 8,667.81	AED 8,220.12	AED 447.69	AED 118,185.73
287	AED 8,667.81	AED 8,249.24	AED 418.57	AED 109,936.49
288	AED 8,667.81	AED 8,278.45	AED 389.36	AED 101,658.04
289	AED 8,667.81	AED 8,307.77	AED 360.04	AED 93,350.27
290	AED 8,667.81	AED 8,337.19	AED 330.62	AED 85,013.08
291	AED 8,667.81	AED 8,366.72	AED 301.09	AED 76,646.36
292	AED 8,667.81	AED 8,396.35	AED 271.46	AED 68,250.01
293	AED 8,667.81	AED 8,426.09	AED 241.72	AED 59,823.92
294	AED 8,667.81	AED 8,455.93	AED 211.88	AED 51,367.99
295	AED 8,667.81	AED 8,485.88	AED 181.93	AED 42,882.11
296	AED 8,667.81	AED 8,515.94	AED 151.87	AED 34,366.17
297	AED 8,667.81	AED 8,546.10	AED 121.71	AED 25,820.07
298	AED 8,667.81	AED 8,576.36	AED 91.45	AED 17,243.71
299	AED 8,667.81	AED 8,606.74	AED 61.07	AED 8,636.97
300	AED 8,667.56	AED 8,636.97	AED 30.59	AED 0.00

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Preview

How to use the Dubai mortgage calculator

Enter the price, choose who is buying and what type of property, then set the down payment, rate and term. The calculator enforces the legal minimum down payment and adds every upfront cost so you see the real cash needed on transfer day.

UAE mortgage rules (as of 2026)

Buyer / property	Max loan-to-value	Min down payment
Expat – first home ≤ AED 5M	80%	20%
Expat – first home > AED 5M	70%	30%
Expat – second / investment home	60%	40%
UAE national – first home ≤ AED 5M / > AED 5M	85% / 75%	15% / 25%
UAE national – second home	65%	35%
Off-plan (anyone)	50%	50%
Non-resident (bank policy)	≈ 50%	≈ 50%

Source: CBUAE Regulations re Mortgage Loans (Notice 31/2013) as amended by Board Resolution 31/2/2020 (effective April 2020): maximum term 25 years; down payment from own resources. Fees: Dubai Land Department fee schedule (4% transfer, 0.25% + AED 290 mortgage registration); 5% VAT under Federal Decree-Law 8/2017.

Worked example

A resident expat buys a AED 2,000,000 ready apartment as a first home with 20% down, 25 years at 4.25%:

Loan AED 1,600,000 → AED 8,667.81 a month
Down payment AED 400,000 + DLD 4% AED 80,000 + admin AED 580 + trustee AED 4,200
Mortgage registration AED 4,290 + agent AED 42,000 + bank fee AED 16,800 + valuation AED 3,000
Total cash needed: AED 550,870

Estimates for educational purposes. Rates are usually fixed for 1–5 years, then follow EIBOR plus a margin.

Frequently asked questions

What is the minimum down payment for expats in Dubai?

Under the UAE Central Bank mortgage regulations, resident expats must put down at least 20% on a first home up to AED 5 million and 30% above AED 5 million, and 40% on a second or investment property. UAE nationals need 15%, 25% and 35%. Off-plan property needs 50%.

Can non-residents get a mortgage in Dubai?

Yes, several UAE banks lend to non-residents, usually up to 50% of the property value. This is set by bank policy rather than the Central Bank circular, so expect stricter income and documentation checks.

What is the maximum mortgage term in the UAE?

The Central Bank caps mortgage terms at 25 years. Most banks also require the loan to end by age 65 for expats (70 for UAE nationals), which can shorten your term.

How much cash do I need on top of the down payment?

Budget around 7–8% of the price: 4% DLD transfer fee, about AED 580 admin, trustee fee AED 4,000 + VAT, 0.25% + AED 290 mortgage registration, 2% agent commission + VAT, a bank arrangement fee of up to about 1% + VAT and a valuation fee of about AED 2,500–3,500.

Can I borrow the down payment?

No. The Central Bank requires the down payment to come from your own funds, not from a personal loan or credit card.

🏠 Dubai Mortgage Calculator