Mortgage calculator for Dubai property
Work out the monthly payment, the deposit and the cash you need on the day, with the UAE Central Bank’s lending limits and Dubai’s fees already counted.
- Loan
- AED 1,200,000
- Deposit (20%)
- AED 300,000
- DLD fee, registration and trustee
- AED 68,010
- Cash needed on the day
- AED 368,010
- Interest over the term
- AED 641,090
WhatsApp usThe cash you need on the day
Since February 2025 banks no longer lend the Dubai Land Department fee or an agent’s commission, so both come out of your own money.
| What | On AED 1,500,000 |
|---|---|
| Deposit | AED 300,000 |
| DLD transfer fee | AED 60,000 |
| Title deed and map fees | AED 520 |
| Mortgage registration | AED 3,290 |
| Registration trustee | AED 4,200 |
| Cash needed on the day | AED 368,010 |
| Agent’s commission, if you use one | AED 31,500 |
How much a bank can lend
The UAE Central Bank caps the loan against the value of the home. The rest is your deposit.
| You are buying | Expat resident | UAE national |
|---|---|---|
| First home, up to AED 5 millionYours | 80% | 85% |
| First home, above AED 5 million | 70% | 75% |
| Another home or an investment | 60% | 65% |
| Off-plan | 50% | 50% |
- 25 yearsThe longest term a bank can offer.
- 50% of incomeThe most that all your debt payments together can take.
- 7 times incomeThe most you can borrow against a year’s income (8 times for UAE nationals).
Know your budget? See what is on the board.
Every home on OpenOffers shows its asking price and every offer made on it. The buyer’s guide explains how an offer with a mortgage works.
Mortgages in Dubai, answered
How much deposit do I need to buy property in Dubai?
On a first home up to AED 5 million, the Central Bank’s minimum is 20% for expat residents and 15% for UAE nationals. Above AED 5 million it is 30% and 25%. Another home or an investment needs 40% (35% for nationals), and off-plan needs 50%.
Can I add the DLD fee to my mortgage?
No. Since 1 February 2025 banks no longer finance the 4% Dubai Land Department fee or an agent’s commission. Both come out of your own money, on top of the deposit.
What is the longest mortgage term in the UAE?
25 years. Each bank also sets the oldest you can be at the final payment.
How is the monthly payment worked out?
From the loan, the rate and the term, as equal monthly payments. Most UAE mortgages fix the rate for an opening period and then move to a variable rate, so the payment can change after that.
Can non-residents get a mortgage in Dubai?
Yes, from the banks that lend to non-residents, usually with a larger deposit than a resident needs. The calculator starts non-residents at a higher deposit for that reason.
Does a mortgaged home count for the Golden Visa?
Yes. A home worth AED 2 million or more qualifies with a mortgage, as long as you have a no-objection letter from your bank. Our Golden Visa service handles the application.
The price, the visa and the guides
- ValuationProperty valuation in DubaiCheck the price before you offer: a free estimate for any home.
- ServiceUAE Golden Visa servicesA home worth AED 2 million or more qualifies, mortgaged or not.
- ResearchMortgages in DubaiOur guides to rates, pre-approval and buying with a loan.
Want someone to check the numbers?
A mortgage adviser can tell you what a bank is likely to lend on your income.