Mortgage
UAE Mortgage Calculator
Estimate monthly mortgage payments and understand loan-to-value context using your property price, down payment, interest rate and loan term.
Your estimate.
Enter a property price, down payment, interest rate and loan term to estimate the mortgage.
Inputs
What you control.
- Property price and down payment determine the estimated loan amount and LTV.
- Annual interest rate is entered by you; no bank or market rate is assumed.
- Loan term accepts whole years from 1 to the sourced maximum of 25 years.
- Buyer and property categories are optional and used only for CBUAE LTV context.
Results
What this calculates.
- Monthly payment and loan amount are the primary results.
- Supporting results show down payment, LTV, total repayment, total interest, term and entered rate.
- When both optional categories are selected, the calculator shows the applicable maximum regulatory LTV, implied minimum down payment and a neutral comparison.
Formula and methodology
How the estimate is produced.
Loan amount = property price − down payment.
Loan-to-value = loan amount ÷ property price × 100.
Monthly payment uses the standard amortising-loan formula based on the loan principal, monthly interest rate and number of monthly payments.
For an interest-bearing loan: payment = P × r × (1 + r)n ÷ ((1 + r)n − 1), where P is principal, r is the monthly interest rate and n is the number of payments.
At 0% interest, monthly payment = loan amount ÷ number of payments.
Total repayment = monthly payment × number of payments. Total interest = total repayment − loan amount.
Assumptions
Rules and values used.
Regulatory context reviewed 22 October 2026.
CBUAE sets maximum mortgage loan-to-value ratios. Banks may apply lower LTVs or additional criteria based on the borrower, property and their own lending policies.
Under the regulation, the down payment is expected to come from the borrower's own resources. Lenders assess affordability separately, including income, existing debt, stress testing and internal credit criteria.
Important limitations
How to use the result.
- This calculator does not determine mortgage approval, affordability approval, DBR eligibility, credit eligibility or bank-specific lending criteria.
- It does not estimate property valuation, mortgage insurance, processing fees, valuation charges or mortgage registration charges.
- A maximum regulatory LTV is not a guaranteed offer. Banks may use lower limits and apply additional assessment criteria.
- Results are an amortisation estimate, not financial, legal or lending advice.
Results are estimates based on the values entered and the regulatory context shown. Actual mortgage offers, valuations, rates, fees, affordability assessments and approval criteria vary by lender and borrower. This calculator does not provide financial, legal or lending advice.
Example calculation
The method in context.
Illustrative example
An expatriate buying a first home for AED 1,000,000 with an AED 200,000 down payment, 4.5% annual interest and a 25-year term produces:
- Loan amount
- AED 800,000
- Monthly payment
- AED 4,447
- Loan-to-value
- 80.00%
- Total repayment
- AED 1,333,998
- Total interest
- AED 533,998
- Maximum regulatory LTV
- 80.00%
- Minimum down payment implied
- AED 200,000 / 20.00%
Commercial context