Mortgage Calculator
See your estimated monthly payment at today’s best rate. Adjust the property value, down payment, and term to match your situation.
Try out some of our available mortgage products
Estimated monthly payment
AED 800,000
AED 4,218
Expert Mortgage Guides & Resources
Whether you're buying your first home or refinancing an existing mortgage, our practical guides provide clear insights to help you make informed financial decisions.
Questions this calculator can't answer
A few things worth knowing that don't fit into a slider.
-
Why is my actual offer different from this estimate?
This tool uses today's best available rate as a benchmark. Your actual rate depends on the specific bank you're matched with, your credit history, and a full income assessment — which is why we recommend confirming any number here with an advisor before treating it as final.
-
What's the difference between this and the Affordability Calculator?
This calculator assumes you already have a property value in mind and tells you the monthly cost. The Affordability Calculator works in the opposite direction — it starts from your income and tells you the maximum you could borrow in the first place.
-
Can I use this if I don't live in the UAE?
Yes, but non-resident buyers typically face a higher minimum down payment and additional documentation requirements than the figures shown here, which assume UAE expat residency. Speak to an advisor for non-resident specific numbers.
-
Can I pay off this loan early without penalty?
Early settlement is allowed at any time, but most banks charge a fee — capped by the UAE Central Bank at 1% of the outstanding balance or AED 10,000, whichever is lower. This calculator assumes you keep the loan for its full term.
-
Does the rate shown include all fees?
No. The rate shown is the interest rate only. Bank processing fees, the property valuation fee, and the Dubai Land Department transfer fee are separate, one-off costs — covered in the section above — and aren't reflected in the monthly payment figure.