20% is a planning assumption, not a guaranteed lending minimum. Expat residents generally need at least 20% for a first home up to AED 5M and 30% above. Confirm eligibility with a lender.
Estimated monthly repayment
AED 8,893
25 years at 4.50% illustrative rate, repayment basis
- Loan amount
- AED 1,600,000
- 80% LTV
- Down payment
- AED 400,000
- 20% of price
- Total interest
- AED 1,067,996
- 40.0% of repayments
- Total repayment
- AED 2,667,996
- 300 payments
Indicative gross income for a 50% debt burden ratio with no other debts: AED 17,787/month
Illustrative estimate only. Not a bank approval, offer or current live rate.
Pre-filled with an illustrative example. Replace the figures with your own; nothing you enter leaves this page.
Your total monthly salary and regular income before deductions.
Monthly repayments you already make: car, personal loans, other mortgages.
The combined LIMITS on all your cards, not the outstanding balance. Lenders count 5% of limits as a monthly commitment.
How it works: we take 50% of your income, subtract your monthly liabilities and 5% of your card limits, and treat the rest as a maximum monthly payment. That payment is converted into a loan at a fixed 5.9% assessment rate over 25 years. Deposit: UAE citizens 15% up to AED 5M (25% above), residents 20% (30% above), non-residents 35%. These differ from the Mortgage Calculator tab's planning defaults.
Estimated property budget
AED 2,742,076
80% loan-to-value, 5.9% assessment rate over 25 years
- Loan amount
- AED 2,193,661
- Monthly payment
- AED 14,000
- Down payment
- AED 548,415
- Assessed monthly room
- AED 14,000
- Down payment (20% of price)AED 548,415
- Land Department fee (4% of price)AED 109,683
- Land Department title fee (AED 580)AED 580
- Registration trustee fee (AED 4,200)AED 4,200
- Mortgage registration (0.25% of loan + AED 290)AED 5,774
- Real estate agency fee (2% of price)AED 54,842
- Bank arrangement fee (1% of loan)AED 21,937
- Mortgage valuation fee (AED 3,125)AED 3,125
- Total upfront costsAED 748,555
Reference Dubai fee assumptions only, not guaranteed or comprehensive. No VAT is added here; actual charges, VAT, insurance and lender fees may vary. Totals use unrounded fees, so rounded lines can differ slightly from the total.
Illustrative estimate only. Not a bank approval, pre-approval or offer; lenders assess each application individually.
UAE home loan rules at a glance
| Purchase | National | Expat |
|---|---|---|
| First home, up to AED 5M | 85% | 80% |
| First home, above AED 5M | 75% | 70% |
| Second / investment home | 65% | 60% |
| Off-plan (any buyer) | 50% | 50% |
- Maximum term: 25 years. Maturity age is set by each lender.
- Total monthly debt capped at 50% of gross income.
- Non-resident criteria are lender-specific; this tool assumes 40% down.
Source: CBUAE Regulations Regarding Mortgage Loans. Off-plan finance is limited and not modelled by the calculator.
From budget to keys
- 01
Check affordability
Keep total monthly debt within 50% of gross income and gather salary or audited income evidence.
- 02
Get pre-approval
A bank pre-approval confirms a working budget before you view or negotiate.
- 03
Agree price and valuation
The bank values the property; the loan is based on the lower of price or valuation.
- 04
Final offer and transfer
Sign the offer letter, then transfer and register the mortgage at the land department.
Have a budget? Browse homes for sale or talk to a Baypoint advisor about lenders that fit your residency.
Dubai mortgage questions
What is the minimum down payment for a home in the UAE?
This calculator starts at 20% for UAE residents, 15% for UAE citizens, and 40% for non-residents as indicative planning assumptions, not a lending offer. Under Central Bank of the UAE mortgage regulations, a first owner-occupied home allows a maximum loan-to-value of 85% for UAE nationals and 80% for expatriate residents up to AED 5 million, meaning deposits of 15% and 20%. Above AED 5 million the caps fall to 75% and 70%, so deposits of 25% and 30%. Lenders may ask for more.
Can non-residents get a Dubai home loan?
Some UAE banks lend to overseas buyers, but criteria are set by each lender. This calculator uses a 40% deposit as an indicative lender assumption for non-residents. It is not a statutory rule and individual offers vary.
What is the maximum mortgage term in the UAE?
Central Bank regulations cap mortgage terms at 25 years. The age by which the loan must be repaid is set by each lender, so check maturity-age limits with your bank.
How much can I borrow on my salary?
UAE regulations limit total monthly debt repayments, including the new mortgage, to 50% of gross monthly income. Banks also apply their own affordability and stress tests.
Do the same limits apply to investment or off-plan property?
No. For a second or investment home the regulatory maximum loan-to-value is 65% for UAE nationals and 60% for expatriates. Off-plan purchases are capped at 50% loan-to-value and many lenders will not finance them before completion. This calculator models completed homes only.
Is the 4.5% rate in the calculator a current bank offer?
No. 4.5% is an illustrative default, not an advertised or live rate. Actual rates depend on the lender, the EIBOR benchmark, fixed or variable structure and your profile.
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