UAE Mortgage Calculator 2026
Calculate your monthly mortgage payment, total interest and all buying costs for any UAE property — Conventional & Islamic. Instant results, no login.
Enter property price first, then adjust down payment
Typical 2026 rate: 3.99% – 5.5%
Max tenure: 25 years (UAE Central Bank rule)
How to Use This UAE Mortgage Calculator 2026
- Select your profile. Choose Conventional or Islamic financing, your buyer type (UAE National or Expat), and property type (Residential, Off-Plan, or Commercial). The Central Bank LTV limit updates automatically.
- Enter property details. Input the property price. Enter either a down payment percentage or amount — the other field updates automatically. The loan amount is calculated instantly.
- Set rate and tenure. Enter your expected annual interest rate (typical 2026 range: 3.99%–5.5%). Drag the tenure slider from 1 to 25 years — the UAE Central Bank maximum.
- Click Calculate. Get your monthly payment, total interest, full amortization schedule, and all one-time buying costs including DLD fees and mortgage registration.
UAE Mortgage Monthly Payment Formula
The standard EMI (Equated Monthly Instalment) formula used by all UAE banks:
| Variable | Definition | Example (AED 1.5M, 4.99%, 25yr) |
|---|---|---|
| P | Principal loan amount | AED 1,500,000 |
| r | Monthly rate (annual rate ÷ 12 ÷ 100) | 4.99 ÷ 12 ÷ 100 = 0.004158 |
| n | Total months (years × 12) | 25 × 12 = 300 |
| EMI | P × r × (1+r)ⁿ ÷ ((1+r)ⁿ−1) | ≈ AED 8,720 / month |
| Total paid | EMI × n | AED 2,616,000 |
| Total interest | Total paid − Principal | AED 1,116,000 (74.4%) |
For Islamic mortgages (Murabaha, Diminishing Musharakah, Ijara), banks use the same mathematical formula but apply it differently — the “profit rate” replaces “interest rate” and payments are structured around asset ownership transfer. The monthly payment calculation is identical for your planning purposes.
UAE Central Bank LTV Limits 2026
The Central Bank of UAE (CBUAE Circular BSD/2021/4950) strictly regulates how much you can borrow against a property’s value. Commercial property rules are not standardised and depend on each bank’s policy.
| Buyer Type | Property Use | Property Price | Max LTV | Min Down Payment |
|---|---|---|---|---|
| UAE National | First house / owner-occupier | Up to AED 5M | 85% | 15% |
| UAE National | First house / owner-occupier | Above AED 5M | 75% | 25% |
| Expat | First house / owner-occupier | Up to AED 5M | 80% | 20% |
| Expat | First house / owner-occupier | Above AED 5M | 70% | 30% |
| UAE National | Subsequent / investment | Any | 65% | 35% |
| Expat | Subsequent / investment | Any | 60% | 40% |
| All buyers | Off-plan property | Any | 50% | 50% |
One-Time UAE Property Buying Costs 2026
Budget for these mandatory costs on top of your down payment when buying property in Dubai. Other emirates have similar but slightly different fee structures.
| Cost | Rate | Notes |
|---|---|---|
| DLD Transfer Fee | 4% of purchase price | Mandatory for all Dubai properties |
| DLD Admin Fee | AED 580 | Fixed administrative charge |
| Trustee Office Fee | AED 2,100 / AED 4,200 | AED 2,100 for properties under AED 500K; AED 4,200 otherwise. Same-day mortgage registration may waive this fee. |
| Mortgage Registration Fee | 0.25% of loan + AED 290 | Paid to Dubai Land Department |
| Property Valuation Fee | AED 2,500 – 3,500 | Required by all mortgage lenders |
| Bank Processing Fee | 1% of loan (max AED 10,000) | Most banks cap at AED 10,000 |
| Real Estate Agent | 2% of purchase price | Industry standard; negotiable |
Illustrative UAE Mortgage Interest Rates 2026 (Sample)
| Bank | Rate Type | 2026 Indicative Rate |
|---|---|---|
| Emirates NBD | Variable (EIBOR+) | 4.29% |
| ADCB | Fixed 1-year | 3.99% |
| FAB | Variable | 4.19% |
| Mashreq | Variable | 4.49% |
| ADIB (Islamic) | Profit Rate | 4.89% |
| Dubai Islamic Bank | Profit Rate | 4.99% |
These are indicative sample rates for 2026 and are not official quotes. Rates change daily and vary by borrower profile. Always confirm the current rate directly with your bank.
Related Calculators
What is the minimum down payment for a mortgage in UAE 2026?
The minimum down payment depends on your buyer type and property use, as set by the UAE Central Bank: UAE Nationals need 15% for a first house up to AED 5M (25% above AED 5M). Expats need 20% for a first house up to AED 5M (30% above AED 5M). For subsequent or investment properties UAE Nationals need 35% and expats need 40%. Off‑plan requires 50%. Commercial mortgage down payments vary by bank and are not standardised by the Central Bank.
What is the maximum mortgage tenure in UAE?
The UAE Central Bank caps the maximum mortgage tenure at 25 years for residential properties. Additionally, most UAE banks require that the loan is fully repaid before you reach age 65 (salaried expats) or age 70 (UAE nationals and self‑employed expatriates). For example, if you are a 45‑year‑old salaried expat, you can only get a maximum 20‑year mortgage (65 minus 45).
What is the difference between Conventional and Islamic mortgages in UAE?
Conventional mortgages charge interest on the loan balance. Islamic mortgages (Murabaha, Diminishing Musharakah, or Ijara) are structured to comply with Sharia law, which prohibits charging interest. Instead, the bank buys the property and sells it to you at a profit (Murabaha), or co-owns it with you and gradually transfers ownership (Diminishing Musharakah). The monthly payment amounts are mathematically similar — you can use this calculator for both by entering the profit rate instead of interest rate.
Can expats get a mortgage in UAE?
Yes, expats can get mortgages in the UAE from most major banks. Requirements typically include: valid UAE residence visa (minimum 6 months remaining), minimum monthly salary of AED 10,000–15,000 (varies by bank), 6+ months employment in UAE (or 2+ years if self-employed), minimum down payment of 20% for a first property up to AED 5M, and property in designated freehold areas. Banks usually finance expats up to 80% LTV for a first house.
What are all the costs involved in buying property in UAE?
Total buying costs in Dubai typically add 6–9% on top of the purchase price:
- DLD Transfer Fee: 4% of purchase price (mandatory)
- DLD Admin Fee: AED 580
- Trustee Office: AED 2,100 (under AED 500K) / AED 4,200
- Mortgage Registration: 0.25% of loan + AED 290
- Property Valuation: AED 2,500–3,500
- Bank Processing Fee: ~1% of loan (capped AED 10,000)
- Real Estate Agent: 2% (if buying through an agent)
This calculator shows your personalised cost estimate in the results section.
What mortgage interest rates should I expect in UAE in 2026?
UAE mortgage rates in 2026 are linked to EIBOR (Emirates Interbank Offered Rate). Typical ranges: Variable rates (EIBOR + margin): 4.0%–5.0%. Fixed rates (1–5 years then variable): 3.99%–5.5%. Islamic profit rates: 4.49%–6%. Fixed rates provide repayment certainty but may be higher than starting variable rates. Variable rates can decrease if EIBOR falls, but carry risk if rates rise. Always compare at least 3 banks before committing.
Is it better to get a longer or shorter mortgage tenure in UAE?
A longer tenure (e.g. 25 years) gives you a lower monthly payment but you pay significantly more interest overall. A shorter tenure (e.g. 15 years) means higher monthly payments but much less total interest and you own the property outright faster. Use this calculator to compare: for a AED 1.5M loan at 4.99%, a 25-year term costs about AED 1.1M in interest vs AED 620,000 for a 15-year term — a difference of nearly AED 500,000. Many buyers take a longer tenure for affordability but make additional overpayments when possible.