Dubai Mortgage Calculator

True Cost · Monthly Payment · Upfront Fees

← Also try the ROI Calculator
01Property & Loan Details
AED
%
Min 20% for expats, 15% for UAE nationals
% p.a.
Dubai avg: 4.5 - 5.5% (2025)
years
Max 25 years for expats
02Dubai Upfront Fees

Pre-filled with Dubai market standards. Edit if your situation differs.

%
Dubai Land Department — fixed 4%
%
Market standard: 2% of price
%
0.25% of loan amount
AED
Typically AED 2,500 - 3,500
%
Typically 1% of loan (some banks waive)
AED
Trustee, NOC, admin, etc.
Monthly Mortgage Payment
-
AED per month
-
Loan Amount
-
AED financed
Total Interest
-
Over full term
Total Repaid
-
Principal + interest
Interest Ratio
-
Of total repayment
→ Principal vs Interest Split
Principal Interest

Green = principal repaid  ·  Gold = interest paid to bank

→ True Day-One Cash Required
Upfront Cost Breakdown
Down PaymentEquity contribution
-
DLD Transfer FeeDubai Land Department — 4%
-
Agency FeeBuyer's agent commission
-
Mortgage Registration0.25% of loan amount
-
Bank Arrangement FeeLoan processing
-
Valuation FeeBank-required property appraisal
-
Other Fees
-
Total Upfront Required -
Fees on top of down payment -

This is the number most buyers discover too late.

Yieldos Intelligence
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