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UAE Mortgage Calculator
Calculate your monthly payment, loan amount and total cost for any Dubai property — for residents and non-residents.
Mortgage Calculator
Calculate Your Monthly Payment
Instant estimate for UAE property financing — residents and non-residents
Minimum 20% for non-residents (UAE Central Bank rules)
Monthly Payment
AED 8,893
per month for 25 years at 4.5%
Loan Amount
80% LTV
AED 1,600,000
Total Interest Paid
Over full loan term
AED 1,067,996
Total Repayment
Principal + interest
AED 2,667,996
DLD Registration Fee
4% of purchase price (buyer pays)
AED 80,000
* Indicative estimate only. Actual rates and eligibility depend on your bank and financial profile.
How UAE Mortgages Work for International Buyers
Who can get a mortgage?
Any foreign national can apply for a mortgage in the UAE to buy freehold property. Banks assess your income, employment type, existing liabilities and credit history. Both employed and self-employed applicants qualify — though self-employed buyers may need 2 years of audited accounts.
LTV limits set by the Central Bank
The UAE Central Bank caps LTV at 80% for residents and non-residents on properties up to AED 5M. Above AED 5M the cap drops to 70% for residents, 65% for non-residents. This means minimum down payment of 20–35% depending on price and residency.
Fixed vs. variable rates
Most UAE banks offer a fixed rate for the first 1–5 years (typically 3.5–5%), then switch to a variable rate linked to EIBOR (Emirates Interbank Offered Rate). Fixing for longer gives predictability; variable rates can go lower if EIBOR falls.
Pre-approval before you search
Getting a mortgage pre-approval letter before you sign an MOU is strongly recommended. It confirms your budget, speeds up the transaction (cash-equivalent for the seller), and prevents losing your 10% deposit if the bank later declines.
Full Cost of Buying with a Mortgage in Dubai
Based on a AED 2,000,000 property with 20% down payment
| Cost item | Amount | Notes |
|---|---|---|
| Down Payment (20%) | AED 400,000 | Minimum for residents & non-residents |
| DLD Registration Fee | AED 80,000 | 4% of purchase price |
| Agent Commission | ~AED 40,000 | 2% + VAT (buyer side) |
| Mortgage Registration | AED 4,000 | 0.25% of loan + AED 290 |
| Bank Arrangement Fee | ~AED 16,000 | 1% of loan amount |
| Property Valuation | AED 2,500–3,500 | Required by the bank |
| DLD Admin + Title Deed | ~AED 5,000 | Fixed government fees |
| Total upfront cost | ~AED 548,000 | ~27% of property price |
Frequently Asked Questions
Can non-residents get a mortgage in the UAE?
Yes. UAE banks offer mortgages to non-residents on freehold properties in designated zones (Dubai Marina, Downtown, Palm Jumeirah, Business Bay and many more). Non-residents can borrow up to 75–80% of the property value, with a minimum down payment of 20–25% depending on the bank.
What is the minimum down payment for a mortgage in Dubai?
The UAE Central Bank requires a minimum 20% down payment for residents on properties up to AED 5M. Non-residents also typically need 20–25%. You must also budget for the DLD registration fee (4% of purchase price) on top of your down payment.
What interest rates do UAE banks offer foreigners?
In 2025, mortgage rates for non-residents range from approximately 3.5% to 5.5% per annum, depending on the bank, term, and your financial profile. Rates can be fixed (for 1–5 years) or variable (linked to EIBOR). A mortgage broker can compare rates across 15+ banks simultaneously.
What is the maximum mortgage term in the UAE?
The maximum loan term is 25 years. The mortgage must be fully repaid before you turn 65 (employed) or 70 (self-employed). Most non-residents are offered up to 25 years, subject to approval.
What additional costs should I budget for when buying in Dubai?
Beyond the purchase price: DLD registration fee (4%), agent commission (~2%), DLD admin fee (~AED 4,580), mortgage registration (0.25% of loan), bank arrangement fee (0.5–1%), and property valuation (AED 2,500–3,500). Total transaction costs typically add 6–8% on top of the price.
Ready to Get Pre-Approved?
Our advisors compare rates across 15+ UAE banks and handle the full mortgage application — at no cost to you.