Tool
Dubai mortgage calculator
See your monthly repayment and the full cash you need on day one — deposit plus every Dubai Land Department, trustee and bank fee. For the rules behind the numbers, read mortgages in Dubai for expats.
Estimated monthly repayment
AED 8,668
- Loan amount
- AED 1,600,000
- Deposit
- AED 400,000
- Total interest
- AED 1,000,400
- Total repaid
- AED 2,600,400
Upfront costs on top
| DLD transfer fee4% of the price | AED 80,000 |
|---|---|
| Title deed & adminDubai Land Department | AED 580 |
| Trustee office feeIncl. 5% VAT | AED 4,200 |
| Agency commission2% + VAT, typical | AED 42,000 |
| Mortgage registration0.25% of loan + AED 290 | AED 4,290 |
| Bank arrangement feeUp to 1% + VAT | AED 16,800 |
| Property valuationVaries by bank | AED 3,150 |
| Cash needed (deposit + fees) | AED 551,020 |
Estimate only, rounded to the nearest dirham. Your bank’s rate, fees and eligibility decide the real figures.
Mortgage questions
How much deposit do I need for a mortgage in Dubai?
UAE Central Bank rules let resident expats borrow up to 80% of the value on a first home up to AED 5 million, so the minimum deposit is 20%. Above AED 5 million it is 30%, and for a second home 40%. Non-residents usually need 40–50% down, depending on the bank.
What is the maximum mortgage term in the UAE?
25 years. Banks also cap the age at the end of the loan — typically 65 for salaried borrowers and 70 for the self-employed — which can shorten the term for older buyers.
How much can I borrow on my salary in Dubai?
Total monthly debt repayments, including the new mortgage, cannot exceed 50% of your monthly income under the Central Bank's debt-burden rule. Banks also apply their own stress tests and minimum salaries.
What fees do I pay when buying with a mortgage?
On top of the deposit: the 4% DLD transfer fee, mortgage registration at 0.25% of the loan plus a small admin fee, the trustee office fee, a valuation (around AED 2,500–3,500) and the bank's arrangement fee of up to 1% of the loan. See our DLD fees guide.