What's the monthly cost?
Standard amortizing UAE mortgage. Resident & non-resident scenarios. Enter your assumptions below — all inputs are editable.
A standard amortizing loan, explained.
A UAE mortgage is a standard amortizing loan: you borrow the difference between the property price and your down payment, and repay it in equal monthly instalments over the term. Early payments are mostly interest; later payments are mostly principal — the amortization chart below shows exactly how that split shifts, year by year, for your own numbers.
UAE banks set maximum loan-to-value (LTV) by residency status and price band, not by a single fixed rule: residents can borrow up to 80% LTV under AED 5M and 70% above it; non-residents are capped lower, at 50% on a first property and 40% on a second. The rate you enter above is your own planning assumption, not a quoted bank offer — actual pricing depends on lender, profile, and product at the time you apply.
Where each year's payment goes, principal vs interest.
How much can you borrow?
UAE residents: max 80% LTV on properties under AED 5M, max 70% above. Non-residents: max 50% LTV on first property, 40% on second. Self-employed: typically 70% LTV with 24 months audited statements. We arrange pre-approval before you commit.
FAQ · MORTGAGE CALCULATOR
Common questions about UAE mortgages.
How is my monthly payment calculated?
Using the standard amortizing-loan formula: your loan amount (price minus down payment) is repaid in equal monthly instalments over the term, at the rate you enter, with the interest/principal split shifting over time — shown in the amortization chart above.What down payment do I need for a UAE mortgage?
UAE residents can borrow up to 80% LTV (20% down) on properties under AED 5M, and up to 70% LTV (30% down) above that. Non-residents are capped lower: 50% LTV (50% down) on a first property, 40% LTV (60% down) on a second.Can non-residents get a mortgage in the UAE?
Yes — most UAE banks lend to non-residents, subject to the lower LTV caps above and standard income/affordability checks. Self-employed applicants typically need 24 months of audited financial statements.Is the rate shown here a real bank offer?
No. The rate field is your own planning assumption, not a quoted offer from any lender. Actual pricing depends on the bank, your profile, and the specific product at the time you apply — we arrange pre-approval so you can confirm the real number before committing.
This calculator provides estimates only and does not constitute financial advice. Rates and LTV limits are indicative and subject to lender assessment. UAE Central Bank regulations apply. If you switch currency, please reload the page and re-enter your figures to ensure an accurate result.
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