Dubai calculators

Mortgage calculator.

Estimate the full cost of buying a Dubai property — including the UAE-specific fees generic mortgage calculators always miss.

Your scenario

Property price

AED

Typical Dubai range: AED 1M–15M for apartments, AED 3M–50M+ for villas.

Buyer residency

UAE Central Bank minimum down payment: 15% resident (first property ≤ AED 5M), 40% non-resident.

Down payment20% · AED 400,000

15%80%

Loan term25 years

525

Interest rate4.50%

3.00%8.00%

Dubai mortgage rates currently 3.99–6%. Most buyers see 4.5–5.5% on 25-year fixed-intro products.

Result

Estimated monthly payment

AED

8,893

Principal + interest. Insurance and service charges not included.

Principal
57%AED 1,600,000
Interest
38%AED 1,067,996
DLD + agency
4%AED 124,000

Full cost breakdown

Loan amount: AED1,600,000
Total interest over 25 years: AED1,067,996
DLD transfer fee4% × price: AED80,000
DLD mortgage registration0.25% × loan: AED4,000
Agency fee2% × price: AED40,000
Cash needed upfront: AED524,000

Idigov arranges full-service mortgage introductions — pre-approval, valuation, and documentation handled end-to-end.

Step by step

How to get a mortgage in Dubai.

Submit income documentation, bank statements, and ID. Takes 3–7 working days. Idigov arranges introductions to lenders offering competitive rates for your buyer profile.
With pre-approval in hand, select a property, negotiate price, and sign a Form F MOU with a 10% deposit cheque.
The bank orders an independent valuation (AED 2,500–3,500). Financing is capped at the lower of valuation or agreed price.
Bank issues a binding offer letter within 10–14 working days. Review rate, term, prepayment penalties, and early-exit clauses before accepting.
At the DLD trustee office, buyer pays full down payment + fees, bank issues a manager's cheque for the loan amount, and the property is transferred. Title deed is registered with a mortgage lien.

Answers

Frequently asked.

UAE Central Bank rules require 15% minimum down for residents buying first property under AED 5M; 25% above AED 5M; 35% for second+ properties. Non-residents must put down at least 40% regardless of value.
Dubai mortgage rates range from about 3.99% at the best-priced lenders to 6% for sub-prime products. Most buyers see 4.5–5.5% on 25-year terms with a 1–5 year fixed intro period, then adjustable rates linked to EIBOR.
On top of the down payment: DLD transfer 4%, DLD mortgage registration 0.25% of loan, agency fee ~2% + 5% VAT, mortgage arrangement ~1% of loan, property valuation AED 2,500–3,500. Budget ~7–8% of price in closing costs.
Yes. Major UAE banks (Emirates NBD, Mashreq, HSBC, Standard Chartered, ADCB, RAKBANK) lend to non-residents with 40–50% down. Rates are typically 25–75 basis points higher than resident rates.
Pre-approval 3–7 working days. Full approval after property selection 10–14 working days. DLD registration and handover 5–10 working days after the manager's cheque. Budget 4–6 weeks end-to-end.

How to get a mortgage in Dubai.

Submit income documentation, bank statements, and ID. Takes 3–7 working days. Idigov arranges introductions to lenders offering competitive rates for your buyer profile.

With pre-approval in hand, select a property, negotiate price, and sign a Form F MOU with a 10% deposit cheque.

The bank orders an independent valuation (AED 2,500–3,500). Financing is capped at the lower of valuation or agreed price.

Bank issues a binding offer letter within 10–14 working days. Review rate, term, prepayment penalties, and early-exit clauses before accepting.

At the DLD trustee office, buyer pays full down payment + fees, bank issues a manager's cheque for the loan amount, and the property is transferred. Title deed is registered with a mortgage lien.

Frequently asked.

UAE Central Bank rules require 15% minimum down for residents buying first property under AED 5M; 25% above AED 5M; 35% for second+ properties. Non-residents must put down at least 40% regardless of value.

Dubai mortgage rates range from about 3.99% at the best-priced lenders to 6% for sub-prime products. Most buyers see 4.5–5.5% on 25-year terms with a 1–5 year fixed intro period, then adjustable rates linked to EIBOR.

On top of the down payment: DLD transfer 4%, DLD mortgage registration 0.25% of loan, agency fee ~2% + 5% VAT, mortgage arrangement ~1% of loan, property valuation AED 2,500–3,500. Budget ~7–8% of price in closing costs.

Yes. Major UAE banks (Emirates NBD, Mashreq, HSBC, Standard Chartered, ADCB, RAKBANK) lend to non-residents with 40–50% down. Rates are typically 25–75 basis points higher than resident rates.

Pre-approval 3–7 working days. Full approval after property selection 10–14 working days. DLD registration and handover 5–10 working days after the manager's cheque. Budget 4–6 weeks end-to-end.