EIBOR Impact Calculator

EIBOR Impact Calculator — How Rate Changes Affect Your UAE Mortgage

If your variable-rate UAE mortgage uses EIBOR, a change can affect repayments at the contractual review date. Use this calculator to model an assumed movement; your lender's benchmark tenor, margin, floor and reset terms control the actual result.

What Is EIBOR and Why Does It Matter?

EIBOR (Emirates Interbank Offered Rate) is a UAE dirham benchmark published by the Central Bank of the UAE. Some variable mortgages use a specified EIBOR tenor plus a lender margin, subject to the contract's reset schedule and any rate floor. The latest available 3-month EIBOR fixing is 4.45% for the published fixing date 22 October 2026 (data source: FCMB validated daily backup). For illustration only, a contract priced at 3-month EIBOR + 1.50% would be 5.95% using that fixing; this is not a lender quote or a published market range.

The impact and timing depend on the benchmark tenor, contractual reset schedule, margin, any floor, balance and remaining term. Check the lender's documentation and request a revised repayment illustration where appropriate.

Latest EIBOR fixing reference

This is the latest validated stored public fixing. Check the Central Bank of the UAE EIBOR rates page and your lender documentation.

Fixed vs Variable — Which Is Better?

A fixed-rate UAE mortgage protects you from EIBOR movements for the fixed period (typically 1, 2, or 3 years). After the fixed period, it reverts to variable. If you expect EIBOR to fall, variable rates allow you to benefit. If you expect rates to stay high or rise, locking in a fixed rate provides payment certainty.

WhatsApp +971 50 729 7196 to speak with a Mortigo advisor about fixed and variable options from participating lenders.