Use this free UAE mortgage calculator to see your monthly payment, the maximum you can borrow and the cash you'll need upfront. It applies the UAE Central Bank's rules for expat residents, UAE nationals and non-residents, including the minimum deposit, the 25-year limit, age limits and the 50% debt limit, so the result reflects what a UAE bank is likely to offer.
Your details
Your results
How to use the mortgage calculator
- Enter the price. The calculator sets the minimum deposit for your situation automatically.
- Choose your residency and whether it's your first home. These decide your maximum loan under the Central Bank rules.
- Choose ready or off-plan. Off-plan mortgages are limited to 50% of the price.
- Set the rate and term. Fixed rates were roughly 3.75% to 5% in 2026. The term is capped at 25 years and by your age.
- Add your income. This checks your repayments against the 50% debt limit.
UAE mortgage rules at a glance
| Buyer | First home up to AED 5M | First home over AED 5M | Second or investment home |
|---|---|---|---|
| Expat resident | Up to 80% loan (20% deposit) | Up to 70% | Up to 60% |
| UAE national | Up to 85% | Up to 75% | Up to 65% |
| Non-resident | Typically 50% to 60%, set by each bank | Typically 50% to 60% | Typically 50% to 60% |
| Off-plan (all buyers) | Up to 50% | Up to 50% | Up to 50% |
UAE Central Bank loan-to-value limits as reported in 2026. Banks may lend less based on your profile.
Other key rules: the maximum term is 25 years, and your total monthly debt repayments can't exceed 50% of your income. Most banks also require the loan to be repaid by age 65 for salaried borrowers and 70 for self-employed borrowers.
The cash you need upfront
Your deposit is only part of it. In Dubai, you'll also pay the 4% Dubai Land Department fee, mortgage registration of 0.25% of the loan plus AED 290, a bank valuation of around AED 2,500 to 3,500, and a bank arrangement fee of up to 1% of the loan. The calculator includes these as an estimate. Use the buying costs calculator for Abu Dhabi or Ras Al Khaimah.
Mortgage or payment plan?
Many off-plan projects offer developer payment plans, such as 50/50 or 60/40, where you pay in stages during construction with no interest. For off-plan buyers, a payment plan is often simpler than a mortgage, which is limited to 50% for off-plan property. Read off-plan vs ready property to compare.
Monthly payment on an AED 1 million loan
| Interest rate | 15 years | 20 years | 25 years | Total interest over 25 years |
|---|---|---|---|---|
| 3.75% | AED 7,272 | AED 5,929 | AED 5,141 | AED 542,394 |
| 4.25% | AED 7,523 | AED 6,192 | AED 5,417 | AED 625,214 |
| 4.75% | AED 7,778 | AED 6,462 | AED 5,701 | AED 710,352 |
| 5.25% | AED 8,039 | AED 6,738 | AED 5,992 | AED 797,743 |
Repayment mortgage, fixed rate for the full term, for illustration. Multiply by your loan in millions, for example 1.6 times for an AED 1.6 million loan.
How much can I borrow?
Two limits apply: the loan-to-value limit, shown in the table above, and the debt burden limit. Your total monthly debt repayments, including the new mortgage, car loans and credit cards, can't exceed 50% of your monthly income. For example, with an income of AED 25,000 a month and no other debts, your mortgage payment could be up to AED 12,500, which supports a loan of roughly AED 2.3 million over 25 years at 4.25%.
Fixed or variable rate?
Most UAE mortgages start with a fixed rate for one to five years, then move to a variable rate linked to EIBOR, the Emirates Interbank Offered Rate, plus a margin, typically around 1.5% to 3%. A fixed rate gives certainty, while a variable rate can fall or rise with the market. Check the rate you'll move to after the fixed period, as well as the headline rate.
Upfront cash: a worked example
| AED 2,000,000 ready apartment in Dubai, 80% loan | Amount |
|---|---|
| Deposit (20%) | AED 400,000 |
| Dubai Land Department fee (4%) and admin | AED 80,580 |
| Mortgage registration (0.25% + AED 290) | AED 4,290 |
| Bank valuation (incl. VAT) | AED 3,150 |
| Arrangement fee (1% + VAT) | AED 16,800 |
| Total upfront cash | AED 504,820 |
Excludes agency commission, which adds 2% plus VAT on a resale purchase.
Documents you'll usually need
- Salaried: passport, Emirates ID and visa, a salary certificate and around six months of bank statements.
- Self-employed: trade licence, company and personal bank statements, and audited accounts, often for two years.
- Non-residents: passport, proof of income and bank statements from your home country, and a credit report where available.
Requirements vary by bank. I work with mortgage advisers who compare offers across UAE banks.
Other costs to know about
- Life insurance: usually required, at around 0.15% to 0.25% of the balance a year.
- Early settlement: repaying early typically costs 1% of the amount repaid or AED 10,000, whichever is lower.
- Property insurance: often required by the bank.
Frequently asked questions
How much deposit do I need for a mortgage in Dubai?
Expat residents need at least 20% for a first home up to AED 5 million, 30% above that, and 40% for a second property. UAE nationals need 15%, 25% and 35%.
Can non-residents get a mortgage in the UAE?
Yes. Several UAE banks lend to non-residents, typically up to 50% to 60% of the price, depending on the bank and your profile.
What is the maximum mortgage term in the UAE?
25 years, and most banks require the loan to end by age 65 for salaried borrowers or 70 for self-employed borrowers.
Can I get a mortgage on off-plan property?
Yes, but it is limited to 50% of the price. Many buyers use the developer's payment plan instead.
What are mortgage interest rates in the UAE?
Fixed rates from major banks were roughly 3.75% to 5% in 2026. After the fixed period, rates usually move to EIBOR plus a margin.
How much salary do I need for a mortgage in Dubai?
Banks set their own minimum salaries, but your total monthly debt repayments can't exceed 50% of your income. Use the income field in the calculator to check your situation.
Can I pay off my UAE mortgage early?
Yes. Early settlement fees are capped at 1% of the amount repaid or AED 10,000, whichever is lower.
What is EIBOR?
The Emirates Interbank Offered Rate, the benchmark most UAE variable-rate mortgages follow. Your rate is usually EIBOR plus a fixed margin.
More free investor tools
These tools give estimates for guidance only and are not financial, legal or mortgage advice. Fees, bank policies and visa rules change, so please confirm before you commit.
RERA-licensed real estate consultant at Aeon & Trisl, specialising in off-plan and investment property, with AED 600M+ in closed deals and 100+ clients worldwide.