Emiro

Mortgage Calculator UAE

See your monthly payment and the real total cash needed at closing — deposit plus DLD, agent, valuation, and registration fees. Works for Resident Expat, UAE National, and Non-Resident buyers across Dubai, Abu Dhabi, Sharjah, and other emirates. Updated for 2026 (No personal income tax).

Your details

Monthly repayment
AED 8,337
Total interest
AED 1,001,246
Total repaid
AED 2,501,246
4.50% over 25 years · Property: AED 1,800,000

Total cash needed at closing

Deposit + all upfront fees

Cash needed
AED 440,340
AED 300,000 deposit + AED 140,340 fees (7.8% of property)
Below minimum deposit: Resident Expat requires at least 20% down on a property valued < AED 5,000,000. You'll need at least AED 360,000.
Fee breakdown
Transfer fee (Dubai)AED 76,000
Mortgage registrationAED 4,040
Agent commission (incl. VAT)AED 37,800
Property valuationAED 3,000
Bank processingAED 15,000
NOC / trustee / adminAED 4,500
Total feesAED 140,340

Balance over time

Watch how each repayment reduces your balance and shifts more money from interest to principal.

0y10y20y25yAED 2,501,246
Principal paidInterest paidRemaining balance

What if rates rise?

Your repayments at the current rate vs. a 1% and 2% rate rise.

At 4.50%
AED 8,337
monthly
+1% (5.50%)
AED 9,211
monthly
+AED 874 more
+2% (6.50%)
AED 10,128
monthly
+AED 1,791 more

Amortization schedule

Year-by-year (or month-by-month) balance, principal paid, and interest paid for the entire loan term. Download as PDF below.

25 years

YearPrincipalInterestBalance
1AED 33,230AED 66,820AED 1,466,770
2AED 34,756AED 65,294AED 1,432,014
3AED 36,353AED 63,697AED 1,395,661
4AED 38,023AED 62,027AED 1,357,638
5AED 39,770AED 60,280AED 1,317,869
6AED 41,597AED 58,453AED 1,276,272
7AED 43,508AED 56,542AED 1,232,764
8AED 45,506AED 54,543AED 1,187,258
9AED 47,597AED 52,453AED 1,139,661
10AED 49,784AED 50,266AED 1,089,877
11AED 52,071AED 47,979AED 1,037,807
12AED 54,463AED 45,587AED 983,344
13AED 56,965AED 43,085AED 926,379
14AED 59,582AED 40,468AED 866,797
15AED 62,319AED 37,731AED 804,479
16AED 65,182AED 34,868AED 739,297
17AED 68,176AED 31,874AED 671,120
18AED 71,308AED 28,742AED 599,812
19AED 74,584AED 25,466AED 525,228
20AED 78,010AED 22,039AED 447,218
21AED 81,594AED 18,456AED 365,623
22AED 85,343AED 14,707AED 280,281
23AED 89,263AED 10,787AED 191,017
24AED 93,364AED 6,686AED 97,653
25AED 97,653AED 2,397AED 0

Monthly view is approximated from yearly totals. Actual schedule depends on day-count and payment timing conventions used by your lender.

Why the deposit isn't the whole story

UAE buyers are often blindsided by upfront fees. The DLD fee alone is 4% of the property price in Dubai — a separate cash outflow on top of your deposit. Combined, transaction costs typically run 7–8% of the property price:

The calculator above breaks all of these out by emirate so you know exactly what cash you'll need to bring to closing — not just the headline deposit number.

Deposit rules at a glance

Buyer typeProperty < AED 5MProperty ≥ AED 5M
UAE National15% minimum20% minimum
Resident Expat20% minimum25% minimum
Non-Resident30%+35%+
Investor / 2nd home40%40%

Set by Central Bank of the UAE. Both conventional and Islamic (Murabaha/Ijara) mortgages follow the same rules.

Worked example: Dubai expat

A Resident Expat buying an AED 1.8M Dubai apartment with a 20% deposit (AED 360,000) and AED 1.44M mortgage at 4.5% over 25 years:

That's ~27.8% of the property value in cash, not the 20% deposit headline. Most first-time UAE buyers under-budget by 30%+ because they ignore the fee stack.

Islamic vs conventional — what to choose

The monthly payment math is essentially identical — UAE Islamic banks structure Murabaha and Ijara products so the "profit rate" you pay mirrors a conventional interest rate. Choose Islamic finance if you want Sharia compliance; choose conventional if you want the cheapest headline rate (which can be 0.1–0.3% lower in some quarters). Both require the same deposit minimums and follow the same Central Bank rules.

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Frequently Asked Questions

How much deposit do I need for a UAE mortgage?▾
Expat buyers need 20% deposit for properties valued under AED 5 million (25% for properties above AED 5 million). UAE nationals need 15% / 20% on the same thresholds. Investors and second-home buyers need a 40% deposit. These minimums are set by the Central Bank of the UAE and apply to both conventional and Islamic mortgages.
What's the difference between Islamic and conventional mortgages?▾
Conventional mortgages charge interest. Islamic finance avoids interest (riba) through structures like Murabaha (the bank buys the property and resells it to you at a markup) or Ijara (the bank buys and leases it to you with ownership transferring at the end). Effective monthly payments are similar — Islamic finance can sometimes be slightly more expensive due to extra structuring fees, but many UAE residents prefer it for religious reasons. Most major banks (ENBD, ADCB, Mashreq, Emirates Islamic, Dubai Islamic Bank) offer both.
What other costs are involved in buying property in the UAE?▾
Significant upfront costs beyond the deposit: DLD (Dubai Land Department) fee of 4% of the property price, mortgage registration fee of 0.25% of the loan + AED 290, agent fee of 2% + 5% VAT, valuation fee of AED 2,500–3,500, NOC fee from the developer (AED 500–5,000), trustee fee (AED 4,000), and bank processing fee of 0.5–1% of the loan. Budget around 7–8% of the property price for total costs.
Can non-residents buy property in the UAE?▾
Yes, in designated freehold areas (Dubai Marina, Downtown Dubai, Palm Jumeirah, Yas Island in Abu Dhabi, etc.). Non-residents can also get mortgages, though typically with higher deposit requirements (30–40%) and fewer participating banks. Some banks require you to be at least 21 with a minimum monthly income of AED 15,000–25,000.
What loan tenure can I get in the UAE?▾
Maximum tenure is typically 25 years, with the constraint that you must finish paying by age 65 (salaried expats) or 70 (UAE nationals and self-employed). If you're 45 years old, you can get up to a 20-year mortgage. Some Islamic banks offer slightly longer tenures.
Are mortgage rates fixed or variable in the UAE?▾
Most UAE mortgages are variable, tracking EIBOR (Emirates Interbank Offered Rate) plus a margin. Some banks offer 1, 3, or 5-year fixed-rate options at slightly higher rates. Variable rates have historically moved with US Fed rates because the AED is pegged to USD. As of 2026, typical owner-occupier rates sit in the 3.99%–4.99% range.
Can I make extra repayments without penalty?▾
Most UAE mortgages allow 5–10% extra repayment per year without penalty. Going above that, or settling the loan entirely from another source (not the property sale), typically incurs a 1% early settlement fee — capped at AED 10,000 under Central Bank rules. Settling from the property sale is usually penalty-free.