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✓ Last verified: 7 September 2026 · CBUAE rules + 4 September 2026 EIBOR fixing

Mortgage Calculator UAE — Payment & Affordability

Three questions decide your Dubai mortgage: what's the monthly payment, does it fit the Central Bank's 50% debt rule, and how much cash you really need on day one (spoiler: down payment + ~7.5% in fees). This calculator answers all three.

September 2026 fixed rates: 3.75–3.85% (1–2 yr), 3.95–3.99% (3 yr), 4.19–4.50% (5 yr). Best rates need salary transfer.

Monthly payment

AED 0

Enter the property price.

Rates move monthly. Anchors here are September 2026 (3M EIBOR 3.96% at the 4 September 2026 fixing); banks price variable deals at EIBOR + 1.00–2.25%. Most banks also require life insurance (~0.3–0.8% of the loan per year) — ask for it as a separate policy, not the bank's default, to save.

The Central Bank rules that shape every UAE mortgage

  • Loan-to-value caps: expats 80% (first property under AED 5M), 70% (AED 5M+), 60% (second property); UAE nationals get +5% on each; off-plan is capped at 50% for everyone.
  • Debt burden ratio: all your monthly debt payments, including the new mortgage, can't exceed 50% of income.
  • Term: maximum 25 years; loan must end by age 65 (salaried expats) or 70 (nationals and self-employed).
  • Size cap: 7× annual income for expats, 8× for nationals.

Maximum loan-to-value by buyer profile (Central Bank caps)

National — first home85% — 15% down85% Expat — first, < AED 5M80% — 20% down80% Expat — first, ≥ AED 5M70% — 30% down70% Any second property60% — 40% down60% Off-plan (everyone)50% — half in cash50%

The bar is what the bank may lend; the gap to 100% is your minimum down payment — before the ~7.5% in fees.

Frequently asked questions

What are UAE mortgage rates right now?

As of September 2026: best fixed rates run 3.75–3.85% for 1–2 years, around 3.95–3.99% for 3 years, and 4.19–4.50% for 5-year fixes. Variable deals price at 3-month EIBOR (3.96% at the 4 September 2026 fixing) plus a 1.00–2.25% margin. The lowest rates require transferring your salary to the lending bank.

How much down payment do I need in Dubai?

Central Bank minimums: 20% for expats on a first property under AED 5M (30% above AED 5M, 40% on a second property), 15% for UAE nationals, and 50% for off-plan purchases regardless of buyer. Non-residents typically face 40–50% under bank policy.

What upfront fees come on top of the down payment?

Roughly 7–8% of the price: DLD transfer fee 4% + AED 580 admin, trustee office ~AED 4,200, mortgage registration 0.25% of the loan + AED 290, valuation AED 2,500–3,500, bank arrangement 0.5–1% of the loan, agent 2% + VAT, developer NOC AED 500–5,000.

What is the 50% DBR rule?

Your total monthly debt payments — the new mortgage plus car loans, personal loans and card minimums — cannot exceed half your monthly income. Banks apply it strictly; paying off a car loan before applying can materially raise your budget.

Can non-residents get a UAE mortgage?

Yes, several banks lend to non-residents, but at 50–60% LTV, often at higher rates and with a narrower property list — that's bank policy rather than a Central Bank cap.

Sources

Rules and rate anchors re-verified on 7 September 2026. The Central Bank's mortgage regulation (Circular 31/2013, last amended by Board Resolutions 96/2019 and 31/2/2020) is unchanged — the LTV caps, the 50% debt burden ratio, the 25-year maximum term and the 7×/8× income multiples all still stand. Rate anchors move monthly and are refreshed in our data cycle; bank pricing is always subject to your profile.

Buying guides

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✓ CheckUAE — free UAE calculators, verified against official sources · https://checkuae-hub.pages.dev/mortgage-calculator-uae/ · Estimate for information only, not legal or financial advice.