Dubai Mortgage Calculator
Calculate your Dubai mortgage monthly payment, total interest, all transaction costs, and check the Central Bank LTV and DBR rules — built for expat and UAE-national buyers.
Built around UAE Central Bank rules
This calculator applies the actual Central Bank LTV caps (75% expat first home up to AED 5M, dropping to 65% above; 50% off-plan; 50% second home) and the 50% DBR ceiling. The transaction-cost section is built from current 2026 DLD, agent, trustee, and bank-side fees.
Property
Central Bank LTV cap for this category at this property value: 75% (minimum down payment 25%)
Loan
Central Bank max 25 years; loan must finish before age 70 (salaried) / 75 (self-employed).
April 2026 typical: fixed 4.49–6.99% (1–5 yr); variable EIBOR + 1.5–2.5% (≈ 6.0–7.0%).
Eligibility check (DBR)
Monthly payment
Loan: AED 1,125,000 over 25 years @ 5.99%
AED 7,242
per month
Total repaid
AED 2,172,455
Total interest
AED 1,047,455
Total cash required
Down payment + transaction costs
Cash to complete
32.2% of property price
Rate-rise stress test
If your variable rate moves +1% / +2%
Current rate
+1% to 6.99%
AED 703/mo more
+2% to 7.99%
AED 1,434/mo more
How Dubai mortgages work
Central Bank LTV caps (April 2026)
- Expat first home up to AED 5M: 75% LTV (25% min down)
- Expat first home over AED 5M: 65% LTV (35% min down)
- Expat second home / investment: 60% LTV (40% min down)
- UAE national first home up to AED 5M: 80% LTV (20% min down)
- UAE national first home over AED 5M: 70% LTV (30% min down)
- Off-plan (any buyer): 50% LTV (50% min down, often staged)
The 50% DBR cap
Total monthly debt obligations cannot exceed 50% of your net monthly income. This includes the new mortgage payment, all existing personal loans, auto loans, plus 5% of any unused credit-card limits. The DBR is the single most common rejection reason — banks won't approve above 50% even on perfect credit. Reduce by paying down existing debts, increasing the down payment, extending tenor, or borrowing less.
Tenor limits
Maximum 25 years. Loan must finish before age 70 (salaried) or 75 (self-employed). At age 50, your maximum tenor is therefore 20 years; at age 55, 15 years. This automatic ageing-out is a constraint older buyers regularly hit.
Fixed vs variable rates
Fixed rates lock for 1, 3 or 5 years before reverting to variable. Currently 4.49%–6.99%. Variable rates link to EIBOR (Emirates Interbank Offered Rate) + margin of 1.5%–2.5%. EIBOR sits around 4.5% in April 2026, putting variable rates around 6.0%–7.0%. Choose fixed for budget predictability; variable if you expect EIBOR to drop and have the flexibility to absorb rate moves.
Mortgage calculator — frequently asked questions
Plan your full property purchase
This calculator covers the loan and transaction costs. For ongoing service charges, renovation budgets, and the complete end-to-end buying process, see our real-estate guide and full mortgage guide.