Dubai mortgage calculator
Estimate your Dubai home-loan payments, in your currency.
Set the property price, down payment, rate, and term. See the monthly payment in AED and your own currency, the way an international buyer actually thinks about it.
Indicative rate applied: 4.25% · typical max loan 80% of value. Rates change — ask us for a live quote.
Estimated monthly payment
Loan amount
AED 1,125,000
Down payment
AED 375,000
Total interest
AED 703,366
Total repayment
AED 1,828,366
Estimate only, using an indicative rate. Actual rates and eligibility vary by bank; non-residents typically qualify for up to ~65% of the property value. Currency conversions are indicative.
How mortgages work in Dubai
Dubai has an active mortgage market open to both residents and non-residents. Residents can typically borrow up to around 80% of a property's value; non-residents can typically qualify for up to around 65% (so roughly a 35% down payment). Rates come in fixed and variable forms, and the Dubai Land Department charges a 4% registration fee on the purchase, plus a mortgage-registration fee where a loan is used.
For off-plan, most buyers skip the mortgage entirely and use the developer's payment plan, staged payments across construction (and often after handover). A mortgage is more common when buying a ready or resale property. Whichever route fits, we'll walk you through the real numbers before you commit.
Worth knowing: a growing number of developers now partner with UAE banks to arrange a mortgage before handover, so you can start financing the unit while it's still under construction instead of waiting for completion. Emaar, DAMAC and Nakheel are among the developers that have offered these bank-backed pre-handover programmes, and the list changes often. Ask us which of your shortlisted projects currently qualify.
More detail: mortgages for non-residents · fees, visas & the process
Dubai mortgage FAQs
Can non-residents get a mortgage in Dubai?
Yes. Several UAE banks lend to non-residents, typically for up to around 65% of the property value (so roughly a 35% down payment), a little lower than the ceiling residents get. Terms depend on the bank, your income, and the property. Some developers also partner with banks to offer a mortgage before handover, and many off-plan buyers use the developer's payment plan instead of a mortgage.
How much down payment do I need to buy in Dubai?
For a mortgaged ready property, UAE residents typically need from around 20-25%, and non-residents from around 35% (mortgages for non-residents go up to about 65% of the value). For off-plan, the down payment to reserve a unit is usually around 10-20%, with the rest spread over the developer's payment plan.
What are Dubai mortgage interest rates?
Banks offer both fixed and variable rates. Variable rates move with the UAE base/EIBOR rate, so the figure in this calculator is an estimate, use a rate quoted by a specific bank for an exact number. We can connect you with a mortgage advisor for live rates.
How much can I borrow for a Dubai property?
Broadly, a bank looks at the property value and your income, UAE regulations cap total monthly debt repayments at around half of your income. The right number depends on your salary or business income, other liabilities, and residency status.
Do I need a mortgage to buy off-plan in Dubai?
Often not. Most off-plan projects come with a developer payment plan that spreads the cost across construction (and sometimes after handover), so many investors buy off-plan without a mortgage at all. Mortgages are more common for ready and resale properties.
