Professional Financing Tool
Mortgage Calculator
Calculate monthly payments, upfront costs, and full amortization schedule
Property Financing
Full Amortization
Dubai Property Costs
Loan Details
AED
AED 100KAED 50M
%
AED
0%80%
years
%
Advanced Options
Estimated Monthly Payment
AED 26,192
Includes mortgage, insurance & service charges
4.5%
Mortgage Only
AED 22,233
Insurance
AED 2,083
Service Charges
AED 1,875
DBR
52.4%
Loan Summary
PrincipalAED 4,000,000
Total InterestAED 2,669,990
Total RepaymentAED 6,669,990
Upfront Costs (Dubai)
Down PaymentAED 1,000,000
Registration Fee (4%)AED 200,000
Agency Commission (2%)AED 100,000
Valuation FeeAED 2,500
Admin FeeAED 5,000
Total RequiredAED 1,307,500
Loan Breakdown
Principal
AED 4,000,000
Interest
AED 2,669,990
Your Affordability
You can afford a property up to
AED 5,622,198
Debt Burden Ratio52.4%
Exceeds bank limit (50%) ✗
Remaining Balance Over Time
Dubai Mortgage Regulatory Info
- Max LTV for expats: 50% for properties > AED 5M, 80% for < AED 5M
- Max LTV for UAE nationals: 70% for first property
- DBR must not exceed 50% of gross monthly income
- Registration fee: 4% of property price + AED 580 admin fee
- Agency commission: 2% of property price (negotiable)
Why Use Our Mortgage Calculator?
Make informed decisions about your Dubai property financing
Comprehensive Costs
Includes 4% registration fee, 2% agency commission, valuation fees, and annual service charges
Full Amortization
View year-by-year breakdown of principal vs interest over the full loan term
Affordability Analysis
Calculate your buying power based on monthly income and Debt Burden Ratio (DBR)