UAE Mortgage Calculator
Calculate monthly installments for UAE home loans. Supports fixed and variable rate comparisons for residents and expats.
Loan Details
Results
Monthly Payment
AED 8,126
Principal
AED 1,500,000
Total Interest
AED 937,821
Total Paid
AED 2,437,821
UAE home loans — CBUAE rules
The Central Bank of the UAE regulates all mortgage lending. Key rules: UAE Nationals get 85% LTV on first property up to AED 5M (80% above); expats get 80% (75% above AED 5M). Second properties: 25-35% down. Max term 25 years. Max age at final payment: UAE National 70, expat 65.
Current rates (2026)
3-year fixed packages: 3.99%-4.75%. 5-year fixed: 4.25%-5.25%. Variable: EIBOR 3-month (~4.0%) + bank margin of 1.0-1.75%. Most expats take 3-year fixed, then review — break cost of ~1% applies during lock-in.
Debt Burden Ratio
CBUAE caps total monthly debt (all loans, credit cards, mortgage) at 50% of gross monthly income. For UAE Nationals, the cap can go to 55% on government housing programs. Credit card minimum due counts at 5% of outstanding, not the actual minimum.
Closing costs — budget 6-8%
Dubai buyers pay: 4% DLD transfer, 0.25% mortgage registration, ~2% agent fee, AED 4,200 DLD admin, ~AED 10-20k bank processing + valuation, 0.5% bank arrangement fee. These are on top of the 20%+ down payment. Abu Dhabi: 2% ADM transfer vs Dubai 4%.
Frequently Asked Questions
Everything you need to know, in one place.
What down payment do I need?
CBUAE rules: UAE Nationals 15% down on first property up to AED 5M, 20% above. Expats 20% first property up to AED 5M, 25% above. Second home purchases: 25%-35%. Off-plan: up to 50%.
Fixed vs variable UAE mortgage?
Fixed packages typically 1-5 year lock, currently 3.99%-5.5%. Variable is EIBOR + margin (EIBOR ~4.0% in 2026), resets quarterly. Most UAE buyers take 3-year fixed then review. 1% break fee if refinancing during lock.
Expat mortgage eligibility?
Most banks require UAE residency visa, stable employment (6-12 months), and Debt Burden Ratio (DBR) under 50% of monthly income. Max loan term 25 years. Expats over 65 or UAE Nationals over 70 face age restrictions.
What fees beyond the purchase price?
Dubai: 4% DLD transfer fee, 0.25% mortgage registration, ~2% agent fee, AED 4,200 DLD admin, ~AED 10k bank processing. Total closing costs typically 6-8% on top of purchase price.
Can I take an Islamic (Sharia) home loan?
Yes — Islamic banks (ADIB, Emirates Islamic, Dubai Islamic) offer Murabaha, Ijara, and diminishing Musharaka structures. Instead of interest, the bank buys and sells/leases the property to you with a profit margin. Economic cost is typically within 0.1%-0.3% of conventional mortgages. Early settlement rules may be more flexible. Popular with expats who prefer Sharia-compliant finance or find pricing competitive. Documentation is similar; transfer fees, registration, and DBR limits are identical.
What happens to my UAE mortgage if I leave the country?
Employment ending does not automatically call the loan, but banks typically require you to either (1) continue servicing from abroad — most banks will switch you to non-resident terms (slightly higher rate), (2) refinance with a non-resident-friendly lender, or (3) sell the property. Keep the UAE bank account open with automated payments. Non-resident restrictions include lower max LTV (60%-70%) and more paperwork on renewal. Never leave without notifying the bank.
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