FINANCING

Mortgage calculator

Work out what you can borrow and what it costs each month, then see what to ask a lender for. CBUAE LTV caps for residents (UAE national 85% / expat 80% on a first home); non-residents are typically ~50%, set at the bank's discretion.

Calculator · indicative rate

Your buyer category · sets the CBUAE LTV cap

Property priceAED 2,000,000

Down payment %20% (AED 400,000)

Tenure25 years

Interest rate4.79%

Your monthly income · AED

Used to check your debt burden against the CBUAE limit.

Your other monthly repayments · AED

Car loan, personal loan, and about 5% of your credit-card limits. Banks count these against the same 50% limit as the mortgage, so leaving them out overstates what you can borrow.

Monthly payment

AED 9,159a month

Loan AED 1,600,000 · 25 yr × 4.79%

DBR · total debt burden ratio30.5%

30.5% of income · 19.5% headroom

Loan-to-value · Expat Resident cap 80%80.0%

Borrowing 80% of the price · 0% under the cap

Total interestAED 1,147,618

Total repaymentAED 2,747,618

These are your own figures worked through the CBUAE limits — not a lender decision. A bank will run its own checks on your income, credit record and the property before it offers anything.

Get pre-approved

How a UAE mortgage works

The few rules that actually shape your budget — deposit caps, the 50% affordability limit, term, how rates work, and the costs beyond your deposit.

What actually sets your rate

We don't publish bank rates — we have no rate feed, and a number that's weeks stale is worse than none when it's the biggest cost in the purchase. Rates move with EIBOR and are set per applicant. Ask each bank for these four things and you can compare offers properly:

The reversion rate, not the headline
Most UAE mortgages are fixed for an intro period, then revert to EIBOR plus the bank's margin. That margin is what you live with for most of 25 years — the intro rate is a teaser.
The margin over EIBOR
Quoted as EIBOR + x%. Two banks with the same headline can differ by a full percentage point after the fixed period ends.
Early settlement cost
Capped by the CBUAE at 1% of the outstanding balance or AED 10,000, whichever is lower. Banks differ within that cap, and it matters if you might sell or refinance.
Arrangement and valuation fees
Typically around 1% of the loan plus a valuation fee. A lower rate with higher fees can cost more over a short hold.

General information, not financial advice · subject to CBUAE Mortgage Regulation 2013 (as amended 2020) · your rate and terms are set by your bank.

Your listing flow

Buy ready property

Most-used workflow · resale of an existing property where the title deed is already issued. Typical timeline 4–8 weeks from offer to title transfer. Cash buyers skip step 8.

✓Set your criteria
✓AI match
✓Book viewing
✓Make offer
✓Form F MoU
✓NOC from developer
✓KYC + AML
8Mortgage approval
9RERA valuation
10DLD trustee transfer
11Title deed issued
12Ejari + handover

Comply

Mortgage approval

● You’re here

Bank final offer against the CBUAE caps — 80% LTV expat resident / 85% UAE national on a first home under AED 5M — and a 50% debt burden ratio across ALL your monthly commitments, not just this mortgage.

Mortgage Advisor

🏦 Buyer-side

Mortgage Advisor

Estimates what you could borrow.

CBUAE80% LTV expat · 85% national · 50% DBR

⚠ Known failure modes

· NOC delays beyond 14 days
· valuation below offer
· mortgage refusal on DSR