United Arab Emirates Mortgage Calculator
Your loan
No official mortgage-rate data for this country — enter the rate from your lender.
- Principal & interestAED 8,481
Upfront costs
- Down paymentAED 300,000
- Transfer tax%AED 60,000
- Agent / broker fee%AED 30,000
- Registration fees%AED 3,750
- Cash needed at purchaseAED 393,750
What if interest rates change?
Your payment today is just the start. See how it could move if rates go up or down during your loan.
Range: 6.65% to 7.35% · The rate resets once a year after month 36.
Likely range of your monthly payment
- Most likely
- 80% of outcomes
- Middle 50% of outcomes
- If today's rate holds
In 8 out of 10 simulated futures, you pay between AED 1,317,473 and AED 1,373,029 in total interest (today's rate: AED 1,344,405).
| Scenario | Avg. monthly | Highest monthly | Total interest | vs. today |
|---|---|---|---|---|
| Rate stays at 7.00% | AED 8,481 | AED 8,481 | AED 1,344,405 | — |
| Drops to 6.65% at first reset | AED 8,266 | AED 8,481 | AED 1,279,940 | ▼ −AED 64,465 |
| Rises to 7.35% at first reset | AED 8,699 | AED 8,729 | AED 1,409,757 | ▲ +AED 65,352 |
| Climbs steadily to 7.35% | AED 8,558 | AED 8,619 | AED 1,367,472 | ▲ +AED 23,067 |
| Falls steadily to 6.65% | AED 8,405 | AED 8,481 | AED 1,321,526 | ▼ −AED 22,879 |
| Spikes to 7.35% for 3 years | AED 8,529 | AED 8,729 | AED 1,358,813 | ▲ +AED 14,408 |
Based on 600 simulated rate paths that drift randomly within your range and tend back toward today's rate. This is an illustration, not a forecast.
Loan balance over time
- Remaining balance
- Interest paid (cumulative)
- Principal paid (cumulative)
Buying a home in United Arab Emirates: rules and costs
- In Dubai, the Land Department transfer fee is 4% of the price, plus registration and admin fees.
- Central Bank caps for a first home up to AED 5 million: 80% loan-to-value for expatriates and 85% for UAE nationals.
- Maximum mortgage term is 25 years, and total debt payments are capped at 50% of income.
Sources: Central Bank of the UAE · Rules last reviewed 2026-10.
Frequently asked questions
How is the monthly mortgage payment calculated?
For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.
What is the current average mortgage rate in United Arab Emirates?
United Arab Emirates does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.
How much does a 1-point rate rise change my payment?
On a AED 1,200,000 loan over 25 years, going from 7.00% to 8.00% raises the monthly payment from AED 8,481 to AED 9,262 — about AED 780 more each month.
What upfront costs should I budget for in United Arab Emirates?
On a AED 1,500,000 purchase, expect about AED 93,750 in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.
Can this calculator predict future interest rates?
No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.