UAE Mortgage Calculator
Calculate your Dubai or UAE mortgage with ease. Get your monthly EMI, total interest payable, loan-to-value ratio, and a full amortization breakdown — free and instant, no sign-up required.
UAE Central Bank rules: Minimum down payment is 20% for expats and 15% for UAE nationals on properties up to AED 5M. Maximum tenure is 25 years. Interest rates from major Dubai banks currently range from 3.99% – 5.5% p.a.
Enter Property Details
Min 20% for expats, 15% for UAE nationals
How UAE Mortgage Calculations Work
UAE home loans are typically reducing-balance (amortizing) loans. Each monthly EMI covers both interest and principal. Early payments are interest-heavy; over time the principal portion increases.
Down Payment
20% min (expats)
15% for UAE nationals
Max Tenure
25 Years
Age at maturity ≤ 65–70
Max LTV
80%
Up to AED 5M property
Dubai Mortgage Interest Rates 2026
Fixed rates in Dubai typically range from 3.99% to 4.99% p.a. for the first 1–5 years, then revert to a variable rate (EIBOR + margin). Variable rates currently sit around 4.5% – 5.5% p.a. Most Abu Dhabi and Dubai banks offer both fixed and variable mortgage products.