• Expatriate, first home ≤ AED 5 million: up to 80% (minimum 20% down)
• Expatriate, first home > AED 5 million: up to 70% (minimum 30% down)
• UAE national, first home ≤ AED 5 million: up to 85% (minimum 15% down)
• UAE national, first home > AED 5 million: up to 75%
• Second or investment property: lower limits (commonly 60% for expatriates, 65% for nationals)
• Off-plan: 50% for all buyers

The maximum term is generally 25 years. The DBR rule limits total monthly debt repayments (including the new mortgage) to 50% of gross monthly income. Banks often stress-test the payment at a rate 2–4% higher than the offered rate when applying this check.

On fees, the calculator includes the well-known 4% DLD transfer fee on the purchase price (buyers typically pay the full amount in practice, even though the schedule notionally splits it) and the 0.25% mortgage registration fee on the loan amount. Other fixed or variable costs (trustee, title deed, agent commission, bank arrangement) can be added in the “other fees” field so the total cash figure is more realistic. For official fee details, see the Dubai Land Department mortgage registration page and the Central Bank’s mortgage loan regulations.

How to Use the Calculator

1. Open the UAE Mortgage Calculator.
2. Enter the property price and select the correct category (first home, second home or off-plan) and nationality.
3. Add your annual income and any existing monthly debt repayments.
4. Optionally include extra fees so the upfront total is more complete.
5. Review the EMI, cash needed, LTV limit and DBR result.
6. Adjust the price or down payment and re-run to compare scenarios.

The calculation happens locally in your browser. No data is uploaded. Close the tab and the temporary figures are gone.

Why Upfront Cash Is Larger Than the Down Payment

Many buyers focus only on the minimum down payment required by the LTV rule. In practice the cash needed on completion is higher because of the 4% DLD fee, mortgage registration, agent commission (commonly 2% + VAT on resale), trustee office charges, bank arrangement and valuation fees, and first-year insurance. The calculator surfaces these so you can see the full picture rather than just the loan amount. Note that banks generally cannot finance the DLD fee and related purchase costs; these must be paid from your own funds.

Important Limitations

The results are estimates based on published rules as of the tool’s last review. Actual bank offers depend on your credit profile, employment type, the specific property, current rates and the lender’s internal criteria. Free zones, certain government or employer schemes, and individual contracts can produce different outcomes. Always obtain a written quote from a bank or licensed broker and confirm current fees with the Dubai Land Department or your trustee office before you commit.

For the underlying Central Bank framework, refer to the official Regulations Regarding Mortgage Loans.

Practical Tips Before You Apply

• Run the numbers for the exact price you are considering, then test a slightly higher or lower price to see how LTV and cash change.
• Include a realistic agent fee and bank costs so the cash total is not understated.
• Check your existing debts (including credit-card limits, which banks often count at a percentage) so the DBR figure is meaningful.
• Remember that the stress-test rate used by banks is higher than the headline rate; the calculator’s illustration helps you see the sensitivity.
• Keep the estimate as a planning tool only. Final eligibility and pricing come from the lender.

Final Takeaway

A clear view of monthly EMI, total cash required and the Central Bank limits helps you decide whether a property is realistic before you spend time on viewings or negotiations. The free UAE Mortgage Calculator gives you those figures in one place, privately and without an account. Use it to compare options, then confirm everything with a bank and the relevant authorities. Planning the full cost early reduces surprises on transfer day.