Dubai Mortgage Calculator for Home Loan Planning

The calculator gives a close estimate based on the property price, down payment, interest rate and loan term you enter. Your final figures depend on the bank’s review of your income, existing debts and the property’s valuation.

Banks spread the loan and interest into equal monthly payments over the loan term. In the early years, most of each payment goes towards interest, and more goes towards the loan balance as time passes.

Yes. A fixed rate keeps your payment the same for the fixed period, usually one to five years. A variable rate moves with EIBOR, so your payment can rise or fall during the loan.

The maximum term is 25 years. The loan must also be fully repaid by age 65 for expats and 70 for UAE nationals, which can shorten the term for older borrowers.

No. The calculator gives an estimate based on the figures you enter. A pre-approval is issued by a bank after it reviews your income, debts and credit history.

Yes. The upfront cost combines your down payment and an estimate of the main transaction costs, such as the Dubai Land Department transfer fee and the mortgage registration fee. We confirm the exact costs for your purchase before you apply.

You can pay a larger down payment, choose a longer loan term or secure a lower rate. Transferring your salary to the lending bank often qualifies you for a better rate.

Yes. Enter your outstanding loan balance as the loan amount and compare the monthly payment at your current rate with the payment at a new rate. Remember to factor in your current bank’s early settlement fee.

It estimates the maximum loan you could qualify for based on your monthly income and existing debts. Banks cap total debt repayments at 50% of your monthly income, and the calculator applies the same limit.

Three things usually limit the loan: the Central Bank’s loan-to-value caps, the 50% debt burden limit and your age at the end of the term. Any one of these can reduce how much a bank will lend.