Skip to content
Menu

Tools

UAE mortgage calculator

Enter the price, your down payment, the rate and the term; the calculator gives the monthly payment and checks the loan against the Central Bank of the UAE's loan-to-value ceilings.

Buyer

Result

Monthly payment
AED 8,445.39
Loan
AED 1,600,000.00
Interest over the term
AED 933,616.83
Total repaid
AED 2,533,616.83
  • Loan to value: 80.00% (ceiling 80%)

The rule, and where it comes from

  • UAE nationals, first home: up to 85% of the value when it is AED 5 million or less, 75% above it. Second and later homes, or an investment property: 65%.
  • Expatriates, first home: up to 80% of the value when it is AED 5 million or less, 70% above it. Second and later homes, or an investment property: 60%.
  • A home bought off-plan: up to 50% of the value, whatever the buyer or the price.
  • The longest term is 25 years. The Central Bank sets no age limit; each lender sets its own.
  • Repayments on all of a borrower's debts may not exceed 50% of gross salary and regular income, and the loan may not exceed 8 years' income for a national or 7 for an expatriate. Lenders must stress-test the loan at 2 to 4 points above its rate.
  • The monthly payment is the standard one for a fixed-rate loan repaid in equal instalments. Banks' fees, insurance and changes of rate are not included.

Sources

Read on the official page on 2 October 2026.

Questions

How much can I borrow for a home in the UAE?
For a first home worth AED 5 million or less, up to 80% of its value as an expatriate and 85% as a UAE national; above AED 5 million, 70% and 75%. For a second home, 60% and 65%; off-plan, 50% for everyone. These are the Central Bank's ceilings; a bank may lend less.
What is the longest mortgage term in the UAE?
25 years. The Central Bank leaves the maximum age at the last repayment to each lender.
How much of my salary can go on loan repayments?
No more than 50% of gross salary and regular income, counting all of your debts, under the Central Bank's rules.

  • UAE end-of-service gratuity calculator

    For a full-time foreign worker in the UAE's private sector. Enter the last basic wage and the length of service; the calculator applies Article 51 of the UAE Labour Law.

  • VAT calculator for the Gulf

    Add VAT to a price, or find the VAT inside a price that already includes it, at the standard rate of each Gulf country, each rate linked to its tax authority.

  • Zakat calculator, with today's gold price

    Zakat on cash and savings. The nisab is worked out from the 24-karat gold rate ThronePulse publishes, and the rule from the UAE's General Authority of Islamic Affairs, Endowments and Zakat.

  • UAE Golden Visa eligibility check

    Compare your situation with the thresholds the Federal Authority for Identity, Citizenship, Customs and Port Security publishes for investors, property owners, skilled professionals and entrepreneurs.

  • Dubai rent increase calculator

    Enter your current annual rent and the average rent for similar units from DLD's Smart Rental Index; the calculator applies the five bands of Dubai Decree No. 43 of 2013.

  • Dubai property registration (DLD) fee calculator

    Enter the sale price and the kind of property, and a loan if there is one; the calculator adds up the fees the Dubai Land Department lists for registering the sale.

  • Saudi end-of-service award calculator

    Enter the last monthly wage, the length of service and how the job ended; the calculator applies Articles 84, 85 and 87 of the Saudi Labor Law.