UAE Mortgage Calculator — Estimate Your Monthly Payments Instantly
Use Mortigo's free UAE mortgage calculator to instantly estimate your monthly repayments, check how much you can borrow, and compare refinancing scenarios. No registration required.
What You Can Calculate
- Monthly repayments — based on property price, down payment, rate, and loan term
- Affordability check — maximum property price based on your income and existing debts
- Refinancing savings — how much you could save by switching to a lower rate
- Islamic vs conventional — compare repayment structures side by side
UAE Mortgage Calculator — Key Inputs
- Property price — in AED
- Down payment — minimum 20% for expats, 15% for UAE nationals (properties under AED 5M)
- Loan term — up to 25 years (must complete before age 65 for expats)
- Interest rate — current UAE rates start from approximately 3.5% fixed
UAE Mortgage Calculation Example
| Property Price | Down Payment (20%) | Loan Amount | Monthly Payment (3.7%, 25yr) |
|---|---|---|---|
| AED 1,000,000 | AED 200,000 | AED 800,000 | AED ~4,100/month |
| AED 2,000,000 | AED 400,000 | AED 1,600,000 | AED ~8,200/month |
| AED 3,500,000 | AED 700,000 | AED 2,800,000 | AED ~14,400/month |
Rates are illustrative. Use the calculator above for your exact figures.
After You Calculate — Get Pre-Approved
Once you know your budget, Mortigo can get you pre-approved from 15+ UAE banks within 48 hours. WhatsApp +971 50 729 7196 or apply online to get started.