UAE mortgage calculator
Calculate UAE home loan monthly repayments, Central Bank LTV limits (80% expat / 85% national), interest charges and minimum qualifying income.
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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 repayments and affordability for residential property purchases across the UAE. Factors in Central Bank Loan-to-Value (LTV) limits (up to 80% for expats and 85% for UAE nationals), interest rates linked to EIBOR, and maximum 50% Debt Burden Ratio (DBR) income criteria.
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 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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