Calculator
Dubai Mortgage Calculator
Monthly payments, total interest and UAE Central Bank loan limits for Dubai property.
Quick answer: On a typical Dubai mortgage, an AED 2 million home with 20% down at 4.5% over 25 years costs about AED 8,900 a month. Expats can usually borrow up to 80% on a first home under AED 5 million. Your total monthly debt payments must stay within 50% of your income. Change the figures below to see your payment, the interest and whether you are within the UAE Central Bank limits.
Estimates only, based on published DLD and UAE Central Bank rules as of October 2026. Confirm figures before you commit.
UAE mortgage limits used in the calculator
| Buyer and property | Maximum loan-to-value |
|---|---|
| Expat resident, first home under AED 5M | 80% |
| Expat resident, first home AED 5M or more | 65% |
| UAE national, first home AED 5M or more | 70% |
| Second or investment property | 60% |
| Non-resident (typical bank policy) | About 50% |
The maximum term is 25 years, and total debt repayments can’t exceed 50% of income (the debt burden ratio). Rates vary by bank and change often, so use the rate from your bank’s offer. Read the full guide to mortgages for expats in Dubai, work out your buying costs, or get help comparing banks.
Frequently asked questions
How is a Dubai mortgage payment calculated?
It is a standard repayment mortgage: the loan amount, interest rate and term set a fixed monthly payment that covers interest and repays the loan by the end of the term.
What is the maximum mortgage term in the UAE?
Up to 25 years, and the loan usually has to end by about age 65 for salaried borrowers (often 70 for self-employed).
How much can I borrow on my salary?
Your total monthly debt repayments, including the new mortgage, credit cards and car loans, can’t exceed 50% of your monthly income.
How much down payment do expats need in Dubai?
At least 20% for a first home under AED 5 million, 35% for a first home of AED 5 million or more, and 40% for a second property.