Dubai mortgage calculator (Central Bank LTV)
Calculate monthly home loan repayments in Dubai and UAE with Central Bank LTV rules (80% expat / 85% national) and interest rates. Free.
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upfront equity
Financed principal
Borrowing cost over term
Principal + interest
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About this tool
Calculate monthly home loan instalments in Dubai and the UAE based on Central Bank lending rules and borrowing limits.
How to use it
- 1 Enter the property value in UAE Dirhams (AED).
- 2 Select your residency status (UAE Expatriate Resident or UAE National) to load Central Bank LTV rules.
- 3 Enter your down payment percentage, annual interest rate, and loan amortization term (up to 25 years).
- 4 Review your monthly installment, borrowing cost, and minimum required monthly salary.
Questions
What is the maximum Debt Burden Ratio (DBR) in the UAE?
The UAE Central Bank limits total monthly debt repayments (including mortgage, car loan, and credit cards) to 50% of the applicant's gross monthly income.
What is the minimum mortgage down payment in the UAE?
Under UAE Central Bank regulations, expatriates must provide at least a 20% down payment (80% maximum LTV) for a first residential property valued up to AED 5 million. UAE nationals require at least 15% (85% LTV).
What is the maximum mortgage term in the UAE?
The maximum allowed loan tenure for residential mortgages in the UAE is 25 years (300 months), capped at age 65 for salaried expats (70 for UAE nationals).
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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