Mortgage Calculator

Dubai • Abu Dhabi • Sharjah • Ajman

Dubai Mortgage Calculator

Dubai Real Estate

Mortgage & Purchase Cost Calculator

Buying property in Dubai involves more than just the loan repayment. On top of your down payment, UAE banks and government bodies charge a handful of standard one-time fees at the time of purchase — the Dubai Land Department (DLD) transfer fee, mortgage registration, bank processing, valuation, and agency commission. This calculator estimates your monthly mortgage payment alongside these real upfront costs, so you can see the full picture before you buy.

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Property Price ? The full purchase price of the property as agreed with the seller or developer, before any fees.

Down Payment (%) ? UAE Central Bank rules require expat buyers to put down at least 20% for properties up to AED 5M (25% above that), and UAE nationals at least 15%. This is paid upfront, on top of all fees below.

Minimum 20% for expats (25% for properties above AED 5M), 15% for UAE nationals.

Annual Interest Rate (%) ? The yearly mortgage interest rate offered by your bank. UAE mortgage rates typically range from around 3.5% to 5.5%, depending on the bank and rate type (fixed or variable).

Loan Term (Years) ? How many years you'll take to repay the mortgage. UAE banks typically cap mortgage terms at 25 years, and the loan must be repaid before the borrower turns 65 (70 for UAE nationals).

Show Dubai Purchase Fees & Costs

These are the standard one-time and recurring costs involved in a Dubai property purchase, on top of your down payment.

DLD Transfer Fee (%) ? The Dubai Land Department charges a standard 4% of the property price to register the transfer of ownership, paid at the time of purchase.

Mortgage Registration Fee (%) ? The DLD charges 0.25% of the loan amount plus a flat AED 290 admin fee to register the mortgage against the property.

Bank Arrangement Fee (%) ? Most UAE banks charge a one-time processing/arrangement fee, typically around 1% of the loan amount, to set up the mortgage.

Property Valuation Fee ? Banks require an independent valuation of the property before approving the mortgage. This is usually a flat fee, commonly around AED 2,500–3,500.

Real Estate Agency Commission (%) ? The standard agency commission on a resale property in Dubai is 2% of the purchase price, typically paid by the buyer.

Monthly Service Charges ? Ongoing building/community maintenance fees set by the developer or owners' association, usually billed per square foot annually. Enter your building's estimated monthly amount.

Mortgage & Property Insurance (% of loan, annual) ? UAE banks require life insurance and property insurance for the duration of the mortgage. Combined, these typically cost around 0.3%–0.6% of the outstanding loan amount per year.

This calculator provides simplified, illustrative estimates only and should not be treated as financial or legal advice. Actual mortgage rates, bank fees, and eligibility depend on your bank, credit profile, residency status, and the specific property. Always confirm exact figures with your bank and a licensed mortgage advisor before proceeding.

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Mortgage & Purchase Cost Calculator

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