FINANCING YOUR PROPERTY

UAE Mortgage Calculator

Planning to buy a property in Dubai or elsewhere in the UAE? Calculate your estimated monthly mortgage payments, required down payment, upfront costs and financing requirements.

PLAN YOUR PURCHASE

UAE Mortgage Calculator

Calculate your estimated monthly mortgage payments, upfront costs and financing requirements.

Property & Mortgage Details

20.0%
Minimum 20% 100%
AED 300,000

Financing Details

Affordability Check

Enter your existing loan and credit commitments to estimate your mortgage affordability.

Additional Costs

Transaction costs are illustrative Dubai estimates. Actual charges may vary.

YOUR ESTIMATED MONTHLY PAYMENT

AED 6,670

Per Month

Mortgage Summary

Property Price AED 1,500,000
Down Payment AED 300,000
Mortgage Amount AED 1,200,000
Loan-to-Value 80.0%
Interest Rate 4.50%
Mortgage Term 25 Years

Estimated Upfront Costs

Down Payment AED 300,000
Buyer DLD Transfer Fee (2%) AED 30,000
Mortgage Registration AED 3,290
Agency Fee + VAT AED 31,500
Trustee Fee + VAT AED 4,200
Valuation Fee AED 3,000
Other Estimated Fees AED 1,000
Total Cash Required AED 372,990

Total Repayment

Total Principal AED 1,200,000
Total Interest AED 800,997
Total Mortgage Repayment AED 2,000,997

Affordability Estimate

Within estimated limit

Estimated debt burden: 26.7%

Maximum Monthly Debt Budget (50%) AED 12,500
Available Mortgage Budget AED 12,500
Important Disclaimer

This calculator provides an indicative estimate and does not constitute a mortgage offer, financial advice or guarantee of loan approval. UAE mortgage regulations, lender policies, property valuation, borrower eligibility and transaction fees may affect the actual figures.

Understanding UAE Home Mortgages

Buying a property in the UAE involves more than just the property price. Understanding your down payment, mortgage repayments, interest rate and additional transaction costs can help you plan your purchase.

Down Payment

Understand how much cash you may need before applying for a mortgage.

Monthly Repayments

Estimate your monthly mortgage payments based on the loan amount and interest rate.

Additional Costs

Account for estimated property transfer, mortgage registration and agency fees.

Need Help Financing Your Property?

Speak with our team to discuss your property requirements and explore your next steps.

Contact AI Capital
Disclaimer

The calculations provided are estimates for informational purposes only. Actual mortgage eligibility, interest rates, financing limits and transaction fees are subject to bank approval, applicable UAE regulations and individual circumstances.

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