Dubai Mortgage Calculator
Calculate the real monthly cost of buying any property in Dubai — including the 4% Dubai Land Department fee, 2% agent commission, service charges, and insurance. Works for Downtown Dubai, Dubai Marina, Palm Jumeirah, Business Bay, and every other freehold area in the city.
Loan details
Most UAE mortgages: fixed for 1-5 years, then variable (EIBOR + spread).
Pay extra principal monthly or as a lump sum to cut tenure and total interest.
Monthly EMI
AED 10,950
Loan: AED 1,875,000 • 25 years at 4.99%
Total interest
AED 1,410,043
Total payment
AED 3,285,043
Down payment
AED 625,000
Upfront fees
AED 175,250
Loan composition
- PrincipalAED 1,875,000
- InterestAED 1,410,043
Loan balance over time
Upfront cost: AED 800,250
- Down payment (25%)AED 625,000
- DLD transfer fee (4%)AED 100,000
- Agent commission (2%)AED 50,000
- Mortgage processing (1%)AED 18,750
- DLD trustee feeAED 4,000
- Property valuationAED 2,500
Amortization schedule
300 payments • payoff in 25y 0m
How Dubai Mortgages Work
Dubai mortgages follow a straightforward structure: a 20-25% down payment (higher for non-residents), a fixed-then-variable interest rate, and a tenure of up to 25 years. Most major UAE banks — Emirates NBD, Mashreq, ADCB, HSBC, and Standard Chartered — lend across freehold areas including Downtown Dubai, Dubai Marina, and Palm Jumeirah.
The hidden cost most calculators miss is the true monthly cost — the EMI plus the recurring service charges (paid quarterly to your building, typically AED 12-30 per square foot per year) and property insurance. For a 1,000 sqft 1BHK in Downtown Dubai, service charges alone add roughly AED 1,300-2,500 per month on top of EMI.
Upfront costs run 6-8% of the property price: 4% Dubai Land Department transfer fee, 2% agent commission, AED 4,000 trustee fee, AED 2,500 valuation fee, and ~1% mortgage processing. The calculator above includes all of these in the "Upfront fees" line.
For non-residents, the freehold framework lets you own outright — including resale and inheritance rights. Properties valued AED 750k+ qualify for a 2-year property investor visa; AED 2M+ qualifies for the 10-year Golden Visa.
Frequently Asked Questions
20% minimum for residents on properties up to AED 5M, 25% minimum for non-residents. Above AED 5M the requirement rises to 35-40%. Off-plan purchases typically start at 10-20% on booking with the balance staged.