1. UAE Mortgage EMI Calculator
Calculate monthly repayments from property price, down payment, rate and term.
Calculator controls are loading.
The fields and defaults are available below. If they do not become interactive, contact Mortigo.
Free UAE Mortgage Calculators
UAE Mortgage Calculator Suite — 12 Free Property Finance Tools
Mortigo offers free mortgage and property planning calculators for UAE buyers, homeowners and investors. They provide estimates based on your inputs rather than lender decisions or quotations.
Mortgage Affordability Calculator
Explore an illustrative repayment-capacity scenario using your income, expenses, and down payment
Your financial details
Explore a repayment-capacity scenario
25,000
5,000100,000
10,000
050,000
0
020,000
Include credit cards, personal loans, car loans, etc.
Enter any loan amount to test a specific scenario, or leave blank to calculate your maximum.
Enter an indicative annual rate and confirm current lender terms before applying.
years
Choose a common term or enter a custom term from 1 to 40 years. Available terms depend on age, residency, lender policy and product.
20%
15%50%
This is a scenario input, not a minimum-deposit quote. Required equity varies by buyer, property and lender.
Your affordability estimate
Get a breakdown of your financial capacity
Adjust the sliders to see your affordability analysis
Real-time calculations will appear as you change values
All UAE Mortgage Calculators
2. UAE Home Affordability Calculator
Estimate a repayment-capacity scenario from income, commitments and an assumed DBR.
3. UAE Mortgage Refinancing Calculator
Compare entered current and proposed lender figures, costs and break-even.
4. Dubai DLD Fees Calculator
Estimate Dubai Land Department and other transaction costs using the displayed assumptions.
5. UAE DBR Calculator
Estimate Debt Burden Ratio from income and monthly commitments.
6. UAE LTV Calculator
Estimate loan-to-value and down payment using buyer and property assumptions.
7. EIBOR Impact Calculator
Model how an assumed benchmark-rate change could affect monthly payments.
8. Rent vs Buy Calculator
Compare illustrative cash outflow for renting and buying over a selected period.
9. Early Settlement Calculator
Estimate an early-settlement charge using the assumptions shown in the tool.
10. Down Payment Calculator
Estimate deposit and cash needed using the selected buyer and property assumptions.
11. Off-Plan Payment Plan Calculator
Model illustrative construction and post-handover payment obligations.
12. UAE Islamic Mortgage Calculator
Estimate payments for Sharia-compliant home-finance structures.
UAE Mortgage Calculation Example
| Property Price | Down Payment (25%) | Loan Amount | Monthly EMI (3.99%, 25yr) |
|---|---|---|---|
| AED 1,000,000 | AED 250,000 | AED 750,000 | ~AED 3,950/month |
| AED 2,000,000 | AED 500,000 | AED 1,500,000 | ~AED 7,900/month |
| AED 3,500,000 | AED 875,000 | AED 2,625,000 | ~AED 13,820/month |
| AED 5,000,000 | AED 1,500,000 | AED 3,500,000 | ~AED 18,420/month |
Figures are illustrative at 3.99% with the displayed assumptions and exclude costs unless stated. Use a lender's quoted rate and fees for a personalised estimate.
Request a mortgage assessment
Once you have an estimated budget, submit an application or contact WhatsApp +971 50 729 7196. Mortigo can help compare suitable products; lender review, pre-approval and timing are not guaranteed.
Quick EMI Calculator
Calculate your monthly EMI payments with our advanced mortgage calculator.
Published Mortgage Scenarios
Review published indicative rates from UAE banks
For loan amount: AED 1,000,000 over 25 years
Your loan details
Calculate your monthly mortgage payments
Your estimated payment
Enter valid loan details to see calculations
Human-reviewed options
Want an advisor to review potentially suitable lender options?
These numbers are illustrative. An advisor can review current participating-lender options against the circumstances you share.
Free consultation · No obligation · No credit check
UAE Mortgage Calculator Suite — 12 Free Property Finance Tools
Mortigo offers free mortgage and property planning calculators for UAE buyers, homeowners and investors. They provide estimates based on your inputs rather than lender decisions or quotations.
All UAE Mortgage Calculators
1. UAE Mortgage EMI Calculator
Calculate monthly repayments from property price, down payment, rate and term.
2. UAE Home Affordability Calculator
Estimate a repayment-capacity scenario from income, commitments and an assumed DBR.
3. UAE Mortgage Refinancing Calculator
Compare entered current and proposed lender figures, costs and break-even.
4. Dubai DLD Fees Calculator
Estimate Dubai Land Department and other transaction costs using the displayed assumptions.
5. UAE DBR Calculator
Estimate Debt Burden Ratio from income and monthly commitments.
6. UAE LTV Calculator
Estimate loan-to-value and down payment using buyer and property assumptions.
7. EIBOR Impact Calculator
Model how an assumed benchmark-rate change could affect monthly payments.
8. Rent vs Buy Calculator
Compare illustrative cash outflow for renting and buying over a selected period.
9. Early Settlement Calculator
Estimate an early-settlement charge using the assumptions shown in the tool.
10. Down Payment Calculator
Estimate deposit and cash needed using the selected buyer and property assumptions.
11. Off-Plan Payment Plan Calculator
Model illustrative construction and post-handover payment obligations.
12. UAE Islamic Mortgage Calculator
Estimate payments for Sharia-compliant home-finance structures.
UAE Mortgage Calculation Example
| Property Price | Down Payment (25%) | Loan Amount | Monthly EMI (3.99%, 25yr) |
|---|---|---|---|
| AED 1,000,000 | AED 250,000 | AED 750,000 | ~AED 3,950/month |
| AED 2,000,000 | AED 500,000 | AED 1,500,000 | ~AED 7,900/month |
| AED 3,500,000 | AED 875,000 | AED 2,625,000 | ~AED 13,820/month |
| AED 5,000,000 | AED 1,500,000 | AED 3,500,000 | ~AED 18,420/month |
Figures are illustrative at 3.99% with the displayed assumptions and exclude costs unless stated. Use a lender's quoted rate and fees for a personalised estimate.
Request a mortgage assessment
Once you have an estimated budget, submit an application or contact WhatsApp +971 50 729 7196. Mortigo can help compare suitable products; lender review, pre-approval and timing are not guaranteed.