How the numbers work
The calculator uses a standard repayment mortgage: the same payment every month, covering interest and part of the loan. Change the rate to compare fixed and variable offers.
Mortgage calculator
Your monthly, to the dirham.
Monthly payment
of what you pay
is interest
is interest
- Loan
- Total interest
- Down payment
- Total you pay
Loan balance, year by yearMove across the chart
Same home, different rate
Want a real rate? Our mortgage team compares UAE banks and gets you pre-approved, free.
Estimate only. UAE rules usually cap a resident's first-home loan at 80% of the value up to AED 5M (70% above). Non-resident limits vary by bank, and rates change.
Down payment rules in the UAE
- UAE residents buying a first home up to AED 5M can borrow up to 80% of the value
- Above AED 5M, the limit is lower, usually 70%
- Non-residents can usually borrow 50% to 60%, depending on the bank
- Off-plan homes often need a larger deposit until handover
Read more in our mortgage guide or speak to CBA mortgages.
FAQ
Good questions.
Straight answers from the advisors who handle these questions every day.
Online nowAsk an advisor. Real answers, usually within the hour.
01How much deposit do I need in Dubai?
Residents need at least 20% for a first home up to AED 5M, plus about 7% for fees. Non-residents usually need 40% to 50%.
02What is the longest mortgage term?
Up to 25 years, and the loan usually has to end before you turn 65 (employed) or 70 (self-employed), depending on the bank.