Loan EMI Calculator – UAE
Calculate your UAE loan EMI instantly. Whether it’s a personal loan, car loan, or any other financing in Dubai or Abu Dhabi — get your monthly repayment, total interest, and full cost breakdown in seconds.
UAE loan limits: Personal loans are typically capped at 20× your monthly salary. Debt burden ratio (DBR) must not exceed 50% of monthly salary per UAE Central Bank rules. Enter your interest rate as the reducing balance rate, not the flat rate.
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UAE Loan Types & Typical Rates
| Loan Type | Rate Range | Max Tenure | Max Amount |
|---|---|---|---|
| Personal Loan | 5.49% – 9.99% | 60 months | 20× salary |
| Car Loan | 2.99% – 5.99% | 60 months | AED 500K |
| Home Loan (Mortgage) | 3.99% – 5.5% | 25 years | 80% LTV |
| Business Loan | 7% – 15% | 48 months | Varies |
* Rates are indicative. Verify with your bank before applying.
Flat Rate vs Reducing Balance Rate in UAE
UAE banks sometimes advertise a flat rate which appears lower than the actual cost. The reducing balance rate (used in this calculator) is the true rate applied to the outstanding principal each month. A 3% flat rate is roughly equivalent to a 5.5–6% reducing balance rate. Always ask for the reducing balance rate when comparing loan offers in Dubai or Abu Dhabi.