UAE Mortgage & Home Loan Calculator
Simulate monthly EMIs, DLD 4% government fees, trustee overheads, and compare live interest rates from top UAE lending banks (FAB, Emirates NBD, ADCB, DIB).
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Explore Deeper UAE Mortgage Analytics
Compare top UAE bank profit rates, inspect annual amortization, and test 50% DBR debt capacity.
25-Year Loan Amortization Schedule
Detailed annual breakdown of principal paid vs interest reduction
| Year | Principal Paid (AED) | Interest Paid (AED) | Remaining Balance (AED) |
|---|---|---|---|
| Year 1 | 66,951 AED | 100,857 AED | 2,653,049 AED |
| Year 2 | 69,505 AED | 98,303 AED | 2,583,544 AED |
| Year 3 | 72,157 AED | 95,651 AED | 2,511,387 AED |
| Year 4 | 74,910 AED | 92,898 AED | 2,436,477 AED |
| Year 5 | 77,768 AED | 90,040 AED | 2,358,709 AED |
| Year 6 | 80,735 AED | 87,073 AED | 2,277,975 AED |
| Year 7 | 83,815 AED | 83,993 AED | 2,194,160 AED |
| Year 8 | 87,012 AED | 80,796 AED | 2,107,148 AED |
| Year 9 | 90,332 AED | 77,476 AED | 2,016,816 AED |
| Year 10 | 93,778 AED | 74,030 AED | 1,923,037 AED |
| Year 11 | 97,356 AED | 70,452 AED | 1,825,681 AED |
| Year 12 | 101,070 AED | 66,738 AED | 1,724,611 AED |
| Year 13 | 104,926 AED | 62,882 AED | 1,619,684 AED |
| Year 14 | 108,929 AED | 58,879 AED | 1,510,755 AED |
| Year 15 | 113,085 AED | 54,723 AED | 1,397,670 AED |
| Year 16 | 117,400 AED | 50,408 AED | 1,280,270 AED |
| Year 17 | 121,878 AED | 45,930 AED | 1,158,392 AED |
| Year 18 | 126,528 AED | 41,280 AED | 1,031,863 AED |
| Year 19 | 131,356 AED | 36,452 AED | 900,508 AED |
| Year 20 | 136,367 AED | 31,441 AED | 764,141 AED |
| Year 21 | 141,569 AED | 26,239 AED | 622,572 AED |
| Year 22 | 146,971 AED | 20,837 AED | 475,601 AED |
| Year 23 | 152,578 AED | 15,230 AED | 323,023 AED |
| Year 24 | 158,399 AED | 9,409 AED | 164,625 AED |
| Year 25 | 164,442 AED | 3,366 AED | 183 AED |
Understanding UAE Mortgage Regulations & Bank Lending Caps
What is the Maximum LTV (Loan-to-Value) in Dubai?
According to the Central Bank of the UAE (CBUAE):
- UAE Nationals: Up to 85% LTV (15% down payment) for 1st property ≤ AED 5M.
- UAE Residents (Expats): Up to 80% LTV (20% down payment) for 1st property ≤ AED 5M.
- Non-Residents: Up to 60% LTV (40% down payment) for ready properties.
- Off-Plan Developments: Maximum 50% LTV (50% down payment/milestones).
What is the 50% Debt Burden Ratio (DBR)?
CBUAE mandates that an individual's total monthly debt obligations (mortgage EMI, credit card minimum payments, auto loans, personal loans) cannot exceed 50% of their verifiable gross monthly salary.
What are the Total Upfront Buying Costs in Dubai?
When purchasing a property with a mortgage in Dubai, upfront cash required is your Down Payment + ~6.5% to 7% in government and bank fees:
- DLD Transfer Fee: 4% + AED 580
- DLD Mortgage Registration: 0.25% + AED 290
- Registration Trustee Fee: AED 4,200
- Brokerage Fee: 2% + 5% VAT
- Bank Arrangement & Valuation Fee: ~AED 5,000 - 6,000
Can Mortgaged Properties Qualify for the 10-Year Golden Visa?
Yes! Under the latest UAE government executive regulations, mortgaged properties with an aggregate value of AED 2,000,000 or above qualify for the 10-Year Renewable UAE Golden Visa, provided the bank issues an NOC confirming the valuation.