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    AI-Powered Mortgage Tool

    Mortgage Calculator

    Estimate your financing options. Get accurate estimates for monthly payments, total interest and find the right financing option for your UAE property purchase.

    Check payments by project

    Property PriceAED 2.0M
    AED 500KAED 500M
    Down Payment20% — AED 400K
    5%80%
    Interest Rate4.5%
    2%10%
    Loan Term25 Years
    5 Years30 Years

    Monthly

    AED 9K

    25y

    Down Payment

    AED 400K

    20%

    Loan Amount

    AED 1.6M

    80% fin.

    Total Cost

    AED 2.7M

    +AED 1.1M

    Residency & LTV Cap

    Max LTV80%
    Your LTV80%
    Loan-to-value within UAE Central Bank limit.

    Affordability (DBR 50%)

    Monthly installmentAED 8,893
    50% DBR capAED 20,000
    DBR ratio22.2%
    Within the UAE Central Bank 50% debt burden ratio.

    One-time Fees & Closing Costs

    DLD Transfer (4%)AED 80,000
    Agency Fee (2%)AED 40,000
    Mortgage Registration (0.25% + 290)AED 4,290
    Bank Arrangement (1%)AED 16,000
    Property ValuationAED 3,000
    Trustee OfficeAED 4,000
    NOCAED 1,500
    Total upfront (incl. down payment)AED 548,790

    Compare to Bank Rates

    Emirates NBD — 4.19%

    AED 8,614

    per month

    First Abu Dhabi Bank (FAB) — 4.15%

    AED 8,578

    per month

    Fine-tune First Abu Dhabi Bank (FAB) rate4.15%
    2.0%10.0%
    Monthly difference: AED 36 (save on First Abu Dhabi Bank (FAB))

    Prefer a Mortgage Advisor Through Our Licensed Partners?

    Our calculator gives you instant estimates. For personalized guidance through our licensed partners, we connect you with dedicated mortgage advisors.

    Expert Guidance

    Our mortgage advisors work with all major UAE banks to find you the best rates.

    Pre-Approval Support

    Get pre-approved quickly with our streamlined documentation process.

    Property Matching

    We help match your budget to high-potential property opportunities.

    End-to-End Service

    From application to disbursement, we guide you every step.

    Bank Partner Network

    Introductions through licensed mortgage partners connected with leading UAE banks.

    Emirates NBDMashreqADCBFABHSBCStandard Chartered

    Disclaimer: This calculator provides estimates for informational purposes only and does not constitute financial advice.