UAE mortgage calculator
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
Loan amount
AED 1,200,000
Down payment
AED 300,000
Total interest
AED 902,427
Total repayment
AED 2,102,427
Total Upfront Costs
Calculator rates are illustrative, recorded March 2026. CBUAE 3-month EIBOR is 4.205% as of 16 October 2026; your lender adds its own margin. Actual quotes depend on the bank, applicant, and property. 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
Indicative bank mortgage rates
Published starting rates include eligibility conditions. Historical illustrations are dated separately. Confirm your offer with the bank.
Emirates NBD
Historical illustration; current pricing depends on eligibility and the bank's offer.
Recorded 1 Mar 2026
Illustrative
3.99%
ADCB
Advertised for Excellency / Emirati Excellency customers. Rate varies by customer profile; hybrid or variable structures available.
Checked 1 Oct 2026 · Bank source
From
3.99%
Mashreq
Historical illustration; current variable offers add a bank margin to EIBOR.
Recorded 1 Mar 2026
Illustrative
4.49%
HSBC UAE
Historical illustration; request a personalised quote for your fixed period and eligibility.
Recorded 1 Mar 2026
Illustrative
4.29%
Standard Chartered
Historical illustration; the bank publishes variable pricing based on EIBOR plus a margin.
Recorded 1 Mar 2026
Illustrative
4.39%
FAB
New mortgages: fixed for 1, 2 or 3 years with salary transfer and a FAB credit card; 4.24% without salary transfer. Then 3-month EIBOR + 1.50% with salary transfer.
Checked 1 Oct 2026 · Bank source
From
3.99%
DIB
Historical Islamic finance illustration; confirm the current profit rate with the bank.
Recorded 1 Mar 2026
Illustrative
4.49%
ADIB
Advertised home finance profit rate fixed for 2 years, subject to eligibility and the bank's terms.
Checked 1 Oct 2026 · Bank source
From
3.99%
EIBOR rates: 1M 4.09702% · 3M 4.205% · 6M 4.45624% · 1Y 4.97869% (as of 2026-10-16)