Dubai mortgage & affordability calculator

Resident expats need a minimum 20% down payment on a first residential property priced under AED 5 million (the bank can lend up to 80% loan-to-value). For properties of AED 5 million or more the minimum down payment is 30%, and off-plan purchases typically require 50%. UAE nationals can borrow up to 85% LTV on a first home (75% above AED 5M). Non-residents are assessed more conservatively — banks typically lend 50-75% LTV, so plan for at least 25-50% down.

Budget roughly 7-8% of the property price on top of your down payment: DLD transfer fee (4% of price + AED 580), mortgage registration (0.25% of loan + AED 290), trustee registration (AED 4,200 for properties ≥ AED 500k), bank valuation (typically AED 2,500-3,500), lender arrangement fee (0.5-1% of loan), title deed issuance (AED 540), and agency commission (2% + VAT if applicable). The calculator above itemizes each one.

UAE lenders apply a debt-burden ratio (DSR) cap: your total monthly debt repayments must not exceed 50% of your monthly income. So your maximum loan is the amount whose monthly payment — at the current rate and term — stays within half your income, subject to the loan-to-value cap. Enter your income in the calculator for an instant maximum-price estimate.

The maximum mortgage tenure in Dubai is 25 years, and the loan must typically be repaid by age 65 for salaried borrowers (70 for self-employed). A longer term lowers the monthly payment but increases total interest paid.

Dubai mortgage rates in 2026 generally fall in the region of roughly 4% to 4.5% for fixed introductory periods, varying by bank, profile and whether the rate is fixed or tracks EIBOR. Always compare offers — the calculator lets you test how the rate changes your monthly payment and total interest.