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.
Most UAE mortgages are fixed for an intro period of 1–5 years, then revert to a variable rate (EIBOR plus a bank margin). A longer fixed term gives payment certainty but usually a slightly higher initial rate; variable can be cheaper while EIBOR is low but carries reset risk.
EIBOR (Emirates Interbank Offered Rate) is the UAE benchmark that variable mortgage rates track. After your fixed intro period, your rate becomes EIBOR (commonly the 1-month or 3-month rate) plus a fixed bank margin, so your monthly payment moves up or down as EIBOR changes.
Terms run up to 25 years. UAE banks typically require the loan to be repaid by age 65 for salaried borrowers and around 70 for the self-employed, so an older applicant may be offered a shorter term and higher monthly payment.
Yes. UAE Central Bank rules cap the early settlement fee at 1% of the outstanding balance, up to a maximum of AED 10,000. Some buy-out and refinancing scenarios have separate terms, so confirm the exact penalty in your offer letter before signing.
Yes. UAE banks require a decreasing-term life insurance policy assigned to the lender for the loan amount, and often property (building) insurance too. Premiums depend on age, health, and loan size, and are typically billed monthly or annually on top of your repayment.

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.

Most UAE mortgages are fixed for an intro period of 1–5 years, then revert to a variable rate (EIBOR plus a bank margin). A longer fixed term gives payment certainty but usually a slightly higher initial rate; variable can be cheaper while EIBOR is low but carries reset risk.

EIBOR (Emirates Interbank Offered Rate) is the UAE benchmark that variable mortgage rates track. After your fixed intro period, your rate becomes EIBOR (commonly the 1-month or 3-month rate) plus a fixed bank margin, so your monthly payment moves up or down as EIBOR changes.

Terms run up to 25 years. UAE banks typically require the loan to be repaid by age 65 for salaried borrowers and around 70 for the self-employed, so an older applicant may be offered a shorter term and higher monthly payment.

Yes. UAE Central Bank rules cap the early settlement fee at 1% of the outstanding balance, up to a maximum of AED 10,000. Some buy-out and refinancing scenarios have separate terms, so confirm the exact penalty in your offer letter before signing.

Yes. UAE banks require a decreasing-term life insurance policy assigned to the lender for the loan amount, and often property (building) insurance too. Premiums depend on age, health, and loan size, and are typically billed monthly or annually on top of your repayment.