UAE Mortgage Calculator
Plan your property purchase with confidence. Calculate monthly payments, total interest, and amortization schedule for any property in the UAE.
Real-time calculations
100% secure & private
UAE bank rates
Loan Details
Adjust the values to match your property
Property Price (AED)
Down Payment
Loan Term (Years)
Interest Rate
Average UAE mortgage rate: 4-5% per year
Additional Monthly Costs
Property Tax
Insurance
HOA Fees
Your Monthly Payment
AED 8,893
Principal & Interest: AED 8,893
Payment Breakdown
Total
AED 2,668K
Principal
60.0%
Interest
40.0%
Loan Amount
AED 1,600K
Down Payment
AED 400K
Total Interest
AED 1,068K
Total Payment
AED 2.67M
Principal & Interest
100.0%
AED 8,893
Property Tax
0.0%
AED 0
Home Insurance
0.0%
AED 0
HOA / Maintenance
0.0%
AED 0
Total Monthly Cost
AED 8,893
Year-by-Year Amortization
See how your payments reduce the loan over time
Year 1
35K
1565K
Year 2
37K
1527K
Year 3
39K
1489K
Year 4
41K
1448K
Year 5
42K
1406K
Buy vs Rent Comparison
Is buying actually cheaper than renting?
Monthly Rent (AED)
Time Horizon (Years)
Buy
Total paid in 10 years
AED 1,067K
Rent
BETTERTotal paid in 10 years
AED 907K
Renting saves you money
Over 10 years, renting saves you AED 160K in cash outflow. But buying builds equity.
Expert Mortgage Tips
Make smarter decisions with these insights
Save 20% Down Payment
Most UAE banks require minimum 20% for expats and 15% for UAE nationals. Higher down payments mean lower monthly costs.
Get Pre-Approved First
A mortgage pre-approval strengthens your offer and helps you shop within your real budget. It's free from most UAE banks.
Consider Loan Term
Shorter terms save on interest but have higher monthly payments. 20-25 years is typical for UAE mortgages.
Factor in Hidden Costs
Remember DLD fees (4%), agency fees (2%), and valuation costs. Budget an extra 6-7% on top of the property price.