Dubai Mortgage Calculator
Calculate monthly payments, total costs, and upfront fees for UAE property mortgages
Monthly Payment
AED 7,008
per month for 25 years
AED 1,200,000
Loan Amount
AED 300,000
Down Payment
AED 902,427
Total Interest
AED 2,102,427
Total Repayment
Total Upfront Costs
Rates as of March 2026 from UAE Central Bank data. Actual rates vary by bank, applicant profile, and property. This calculator is for estimation only — consult a mortgage advisor for accurate quotes. Islamic finance (Ijarah) structures may differ.
UAE Mortgage Rules
20% minimum down payment
40% minimum down payment
15% minimum down payment
Must finish before age 65 (employed)
Paid to Dubai Land Department
Most banks require this minimum
Total debt payments vs income
Of loan amount, paid to DLD
UAE Bank Mortgage Rates
Starting rates from major UAE banks · Source: UAE Central Bank, bank published rates
Emirates NBD
Largest UAE bank, competitive rates
From 3.99%
ADCB
Strong for high-value properties
From 4.25%
Mashreq
Good for expats, fast processing
From 4.49%
HSBC UAE
International bank, good for UK/EU expats
From 4.29%
Standard Chartered
Good for Asian/African expats
From 4.39%
FAB
First Abu Dhabi Bank, competitive
From 4.19%
DIB
Islamic mortgage (Ijarah), Sharia-compliant
From 4.49%
ADIB
Islamic finance, flexible terms
From 4.59%
EIBOR rates: 1M 5.15% · 3M 5.2% · 6M 5.25% · 1Y 5.3% (as of 2026-03-01)