UAE Central Bank 2026 Rules Applied

Dubai Mortgage Calculator – Know Your Real Cost Before You Commit

Monthly payments, DLD fees, down payment rules, and total day-1 cash required. Built for expats, residents, and non-resident investors in the UAE.

Enter your property price to get started

AED

See your monthly payment, DLD fees, and total upfront cost instantly. No sign-up required.

AED 1.5M → ~AED 6,600/mo

AED 2M → ~AED 8,800/mo

AED 3M → ~AED 13,200/mo

Start with AED 2M example →

Why buyers use UAECalc

Built specifically for the UAE property market

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UAE Central Bank 2026 rules

LTV limits, minimum down payments, and stress-test requirements applied automatically. No manual lookup needed.

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Real upfront costs — not just monthly payment

DLD fee (4%), mortgage registration (0.25%), valuation, and bank admin all included. Know your total day-1 cash requirement.

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All buyer profiles covered

UAE Nationals (15% min), expat residents (20%–30%), and non-residents (35%) — each gets the correct rules, automatically.

Open Mortgage Calculator → Expat Calculator →

Find your calculator

What best describes your situation?

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Buying as an expat

Expat Mortgage Calculator

UAE resident with visa. Min 20%–30% down payment by property value.

Calculate →

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See all buying costs in Dubai

Dubai DLD Fee Calculator

See DLD (4%), mortgage reg, valuation, and admin — total day-1 cash in one view.

Calculate →

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Non-resident investor

Non-Resident Calculator

35%+ down payment, 15-year max term. Stricter UAE bank terms for overseas buyers.

Coming Soon

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Buying off-plan

Off-Plan Calculator

Payment plan during construction vs mortgage at handover — timing changes everything.

Coming Soon

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Rent vs buy decision

Rent vs Buy Calculator

True long-term cost of renting vs buying in Dubai over 5, 10, or 20 years.

Coming Soon

All calculators

UAE Property Calculator Suite

3 live · 3 coming soon

● Live

Dubai Mortgage Calculator

Monthly payments, DLD fees, and total upfront costs for Dubai property purchases. All residency types.

Calculate → ● Live

Expat Mortgage Calculator

Tailored for UAE resident expats. Down payment rules applied by property value and residency.

Calculate → ● Live

Dubai DLD Fee Calculator

Full breakdown of DLD (4%), mortgage registration, valuation, and bank admin. Total cash on day 1.

Calculate →

Coming Soon

Non-Resident Calculator

35%+ down payment, 15-year max term, and bank options for overseas investors in Dubai.

Coming Soon

Rent vs Buy Calculator

Compare total long-term cost of renting vs buying in Dubai over any time horizon.

Coming Soon

Affordability Calculator

How much can you borrow? Based on income, liabilities, and UAE bank stress-test rules.

Compare UAE mortgage rates from leading banks

Get indicative rates side by side before you apply. Emirates NBD, FAB, ADCB, HSBC, Mashreq and more.

Emirates NBD FAB ADCB HSBC Mashreq

Compare UAE Mortgage Rates →

Not sure which calculator to use?

Start with the main calculator → Find by situation

Simple process

Three steps. No sign-up. Results instantly.

Enter your property details

Purchase price, residency status, down payment, loan term, and interest rate. Takes 30 seconds.

See your full cost breakdown

Monthly payment, total repayment, DLD fee, mortgage registration, and every upfront cost — instantly calculated.

Compare before you commit

Adjust rate, term, and down payment to model scenarios. Know your exact numbers before approaching any bank.

Ready to calculate your mortgage?

Open Calculator →