Mortgage Calculator
Calculate your monthly mortgage payments with support for fixed and variable rate periods. See the full amortization schedule, annual summaries, and total interest over the life of the loan.
How the Mortgage Calculator Works
Enter your property value, downpayment percentage, loan term, and interest rate to see your estimated monthly payment. The calculator supports two-phase mortgages common in the UAE and GCC: a fixed-rate introductory period followed by a variable rate for the remainder of the loan. It also supports progressive disbursement for off-plan properties, where the bank releases the loan incrementally as construction milestones are reached — you only pay interest on the disbursed amount until EMI begins.
The amortization schedule shows exactly how each payment splits between principal repayment and interest over time. In early years, a larger share of each payment goes toward interest. As the loan matures, the balance shifts toward principal.
Use the annual summary view to see year-by-year totals, or switch to the monthly view for a complete payment-by-payment breakdown.
Common UAE Mortgage Terms
Most UAE banks offer mortgage terms of 15 to 25 years. Typical fixed-rate periods run 1 to 5 years, after which the rate switches to a variable rate pegged to the Emirates Interbank Offered Rate (EIBOR) plus a margin. Downpayment requirements are generally 20% for UAE nationals and 25% for expats on properties valued under AED 5 million.
Additional costs to budget for include DLD registration fees (4% of property value in Dubai plus AED 580), Oqood registration (AED 3,250 for off-plan), mortgage registration (0.25% of loan amount), bank arrangement fees (typically 1% of loan), and property valuation fees.