Tool · Calculator
Dubai mortgage calculator
Every hidden cost included. DLD, agency, mortgage reg, valuation, NOC, trustee. Your nationality sets the LTV cap and loan-end age as defaults, and both stay adjustable.
You
Defaults for a resident expat. Both values below are adjustable.
183864
40%Typical: non-res 65%, resident 80%, UAE 85%85%
age 60Typical: expat 65, UAE national up to 70age 75
Property
Dh300KDh1.80MDh20.0M
Mortgage
0%Regulator min: 20%100%
3.00%Market avg ~4%9.00%
In Dubai the rate is usually fixed for an introductory period (often up to 5 years), then reverts to a variable rate that has recently sat around 7%. Test a higher rate for the post-fixed period.
5 years20 years25 years
UAE banks cap tenure at the smaller of 25 years and (the loan-end age minus your age). With your current settings, that is 25 years.
Service charge (optional)
Monthly payment
Dh9,146
Dh8,726 mortgage + Dh420 insurance
Cash needed on day one
Dh497,760
Dh360,000 down + Dh137,760 one-time fees
One-time fees
DLD transfer (4%)
Dh72,600
Agency (2% + VAT)
Dh37,800
Mortgage reg (0.25%)
Dh3,890
Bank processing (1% + VAT)
Dh15,120
Valuation (incl. VAT)
Dh3,150
Trustee fee
Dh4,200
NOC (often seller-paid)
Dh1,000
Lifetime cost
Loan principal
Dh1,440,000
Total interest
Dh654,268
over 20 years
Total paid back
Dh2,094,268
Where this LTV sits
SafeBalancedStandardHighMax
LTV: 80% (cap 80%)
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