UAE Mortgage Calculator

Calculate your UAE mortgage EMI, down payment, and estimate the Dubai Land Department (DLD) transfer fees.

Monthly EMI$6,669.99
Loan Amount$1,200,000.00
Down Payment Amount$300,000.00
Total Interest Payable$800,996.92
Total Payment$2,000,996.92
DLD Fee (4% + admin, incl. VAT)$60,609.00
VAT (5% on Admin Fee)$29.00

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Understanding UAE Mortgages

Buying property in the UAE requires understanding the strict Central Bank regulations regarding Loan-to-Value (LTV) ratios and down payments. For expat residents buying their first property valued under AED 5 million, the maximum LTV is 80% (meaning a 20% down payment is required).

Additional Upfront Costs (DLD Fees)

In addition to the down payment, buyers must pay several upfront fees. The most significant is the Dubai Land Department (DLD) transfer fee, which is 4% of the property value plus a small administration fee (typically AED 580). Our calculator estimates this fee so you know your true upfront cash requirement.

Worked Example

  1. Property Value: AED 1,500,000
  2. Down Payment: 20% = AED 300,000
  3. Loan Amount: AED 1,200,000
  4. Interest Rate: 4.5% over 25 Years
  5. EMI: AED 6,670
  6. DLD Fee (4% + admin): AED 60,580
  7. Total upfront cash needed: AED 360,580 (plus broker/valuation fees).

Frequently Asked Questions

What is the minimum down payment for UAE properties?

For UAE Nationals, the minimum down payment is 15%. For Expat Residents, it is 20% for properties under AED 5 million. For subsequent properties, the requirement increases.

Are interest rates fixed or variable in the UAE?

Most UAE mortgages offer a fixed rate for the first 1 to 5 years. After the fixed period ends, the rate shifts to a variable rate pegged to the EIBOR (Emirates Interbank Offered Rate) plus a bank margin.

Disclaimer: This calculator is for educational and informational purposes only. It is not a substitute for professional financial advice. Results are estimates based on the information provided and may not reflect actual outcomes. Please consult with a qualified financial advisor, accountant, or tax professional before making any financial decisions. Past performance does not guarantee future results.