Free tool · updated 2026
Dubai mortgage & affordability calculator
Expat buyers in Dubai need at least a 20% down payment (banks lend up to 80%), a maximum 25-year term, and monthly repayments must stay under the 50% debt-burden cap. Enter a price below for your monthly payment, total interest, and — with your income — the maximum property you can afford.
Monthly mortgage payment
A screening estimate using standard UAE Central Bank LTV caps and the 50% DSR rule; actual rates, fees and eligibility vary by bank and profile. Free to use and cite: “Source: REAISALE Dubai mortgage calculator, reaisale.com/mortgage-calculator”.
Dubai mortgages — FAQ (2026)
What is the minimum down payment for a mortgage in Dubai?
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Expat buyers 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 slightly more (up to 85% LTV on a first home).
How much can I borrow for a property in Dubai?
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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.
What is the maximum mortgage term in Dubai?
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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.
What are typical Dubai mortgage interest rates in 2026?
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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.