UAE Mortgage Calculator
Calculate monthly mortgage payments instantly for properties across Abu Dhabi, Dubai, and the UAE.
Calculate Your UAE Mortgage Payment
Enter the property price, down payment, interest rate, and loan tenure to estimate your monthly mortgage payment.
Interest Rates
Starting from 3.99%
Loan Tenure
Up to 25 Years
Down Payment
Starting from 20%
How to Use the UAE Mortgage Calculator
Calculate your estimated monthly mortgage payment in a few simple steps.
01
Enter Property Price
Add the total property price in AED.
02
Add Down Payment
Enter your expected down payment percentage.
03
Choose Interest Rate
Use the bank interest rate or the default estimate.
04
View Monthly Payment
Get an instant estimate of your monthly mortgage payment.
Important Notes Before Applying for a Mortgage
Mortgage payments may vary depending on bank approval, interest rate, salary profile, loan tenure, property type, and buyer eligibility. Additional costs such as bank processing fees, valuation fees, insurance, and government fees may also apply.
Common UAE Mortgage Costs
Here are some common costs buyers may need to consider when applying for a mortgage in the UAE.
Down Payment
Usually starts from 20% for eligible buyers.
Bank Processing Fee
Banks may charge a processing fee for mortgage approval.
Property Valuation
A bank valuation may be required before final approval.
Insurance
Life and property insurance may be required by the bank.
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Use our calculators to estimate property fees, ROI, rental yield, service charges, and mortgage payments.
Frequently Asked Questions
Find answers to common questions about mortgage payments, down payments, and property financing in the UAE.
Is this UAE mortgage calculator accurate?
This calculator provides an estimated monthly mortgage payment based on the information you enter. Final mortgage approval, interest rate, loan amount, and monthly payment may vary depending on the bank, buyer profile, property type, and eligibility.
What is the usual down payment for a mortgage in the UAE?
The down payment requirement can vary depending on the buyer, property value, bank policy, and whether the property is ready or off-plan. Many buyers commonly use 20% as a starting estimate, but final requirements should be confirmed with the bank.
Does this calculator include DLD or ADM fees?
No. This calculator estimates the mortgage payment only. Other buying costs such as DLD fees, ADM fees, valuation fees, bank processing fees, insurance, trustee fees, and registration charges may apply separately.
Can I use this calculator for Dubai and Abu Dhabi properties?
Yes. This calculator can be used to estimate mortgage payments for properties across the UAE, including Dubai, Abu Dhabi, Sharjah, and other emirates.
Can interest rates change my monthly payment?
Yes. A higher interest rate usually increases your monthly mortgage payment, while a lower interest rate usually reduces it. Always confirm the latest mortgage rate directly with your bank or mortgage advisor.
Disclaimer
This calculator is for general estimation purposes only. Results may vary depending on bank rules, interest rates, buyer eligibility, property type, government fees, and market conditions. Please confirm final figures with the relevant bank, authority, developer, or licensed advisor before making any financial decision.