How do I calculate my monthly mortgage payment in the UAE?

Use the formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P = loan amount, r = monthly interest rate, n = number of months. For example, a AED 1.5M loan at 3.99% over 25 years gives an EMI of approximately AED 7,870/month. Mortigo's free UAE mortgage calculator does this automatically — just enter your property price, down payment, rate, and term.

What are the current mortgage rates in the UAE?

As of early 2026, UAE fixed mortgage rates start from approximately 3.49–4.0% for 1-2 year fixed periods, while variable rates (EIBOR + margin) are typically 5.5–6.5% p.a. depending on the bank. The exact rate depends on your salary, loan amount, property type, and which bank you choose. Mortigo compares rates from 15+ UAE banks to find the best deal for your profile.

How much down payment do I need to buy property in the UAE?

UAE Central Bank rules require: Expat residents — 25% minimum down payment on properties under AED 5M, 35% on AED 5M+. UAE nationals — 20% on properties under AED 5M, 30% on AED 5M+. Non-residents (overseas buyers) — 35% regardless of property value. Down payments must come from your own savings — borrowed funds are not accepted.

What is the maximum mortgage term in the UAE?

The maximum mortgage term in the UAE is 25 years for residential mortgages. The loan must be fully repaid by age 65 for salaried employees and age 70 for self-employed borrowers. In practice, this means younger buyers can typically access the full 25-year term, while older borrowers may be limited to shorter terms.

UAE Mortgage Calculator Suite — 11 Free Property Finance Tools

Mortigo offers the most comprehensive free mortgage and property calculator suite in the UAE. All tools are free, instant, and require no registration. Whether you are buying your first home, refinancing, or planning an investment property, our calculators give you the numbers you need.

All UAE Mortgage Calculators

1. UAE Mortgage EMI Calculator

Mortgage EMI Calculator — Calculate your monthly repayment for any UAE property. Enter property price, down payment, interest rate, and loan term. Includes full amortisation breakdown and total interest cost.

2. UAE Home Affordability Calculator

Affordability Calculator — Find out exactly how much property you can afford based on your income, existing commitments, and the UAE Central Bank's 50% Debt Burden Ratio (DBR) cap.

3. UAE Mortgage Refinancing Calculator

Refinancing Calculator — See how much you could save by switching to a lower rate. Compare your current mortgage against new offers from UAE banks with full savings analysis and break-even timeline.

4. Dubai DLD Fees Calculator

DLD Fees Calculator — Calculate Dubai Land Department transfer fees (4%), trustee fee, mortgage registration, processing fee, and total property acquisition cost. Supports first-time and subsequent buyers, off-plan and ready properties.

5. UAE DBR Calculator

DBR Calculator — Check your Debt Burden Ratio against the UAE Central Bank's 50% cap. Enter your income and all monthly commitments to instantly see your mortgage eligibility and maximum borrowing capacity.

6. UAE LTV Calculator

LTV Calculator — Calculate your maximum loan-to-value ratio and minimum down payment based on CBUAE rules for expats, UAE nationals, and non-residents.

7. EIBOR Impact Calculator

EIBOR Impact Calculator — If you have a UAE variable-rate mortgage, see exactly how a change in EIBOR affects your monthly payment. Enter your loan balance and use the rate change slider to see your new EMI and total interest cost.

8. Rent vs Buy Calculator

Rent vs Buy Calculator — Is buying cheaper than renting in your area? Compare monthly mortgage EMI against rent, see your break-even year, and calculate the total 10-year cost for each scenario.

9. Early Settlement Calculator

Early Settlement Calculator — Estimate your UAE mortgage early settlement penalty per CBUAE regulations (lower of 1% of outstanding balance or 3 months' interest). See whether early settlement makes financial sense.

10. Down Payment Calculator

Down Payment Calculator — Calculate your minimum required down payment and total cash needed to complete a UAE property purchase. Applies CBUAE LTV rules for expats (25%), UAE nationals (20%), and non-residents (35%).

11. Off-Plan Payment Plan Calculator

Off-Plan Calculator — Model payment schedules for off-plan UAE properties including 30/70, 40/60, and 50/50 payment plans. See your during-construction and post-handover payment obligations.

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

Rates are illustrative at 3.99% fixed. Use the calculator above for your exact figures based on current market rates.

Get pre-approved in 10 minutes

Once you know your budget, Mortigo can get you pre-approved from 15+ UAE banks in 10 minutes. WhatsApp +971 50 729 7196 or apply online to get started.

Free UAE Mortgage Calculators

Interactive Mortgage Calculators

Smarter by AI, guided by people. Get instant, accurate mortgage calculations with our AI-powered tools. Whether you're buying, refinancing, or exploring options.

Mortgage Affordability Calculator

Calculate the maximum home price you can afford based on your income, expenses, and down payment

Affordability Calculator

Discover how much you can afford to borrow

Monthly Income (AED)

25,000

5,000100,000

Monthly Expenses (AED)

10,000

050,000

Existing Monthly Debt Payments (AED)

020,000

Include credit cards, personal loans, car loans, etc.

Annual Interest Rate (%)

Current UAE rates typically 3.0% - 5.5%

Loan Tenure

Up to 30 years for UAE nationals, 25 years for expats

Down Payment (%)

20%

5%50%

UAE minimum: 5% for nationals, 20% for expats (properties under AED 5M)

Affordability Analysis

Get a breakdown of your financial capacity

Adjust the sliders to see your affordability analysis

Real-time calculations will appear as you change values

Quick EMI Calculator

Calculate your monthly EMI payments with our advanced mortgage calculator.

Real Rates · 15+ UAE Banks

Want to see your actual rate from 15+ UAE banks?

These numbers are estimates. An advisor can pull live bank rates matched to your exact profile — often lower than what calculators show.

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