Dubai Mortgage Calculator
Work out your monthly mortgage payment in Dubai, the minimum down payment UAE Central Bank rules allow for you, and the cash you need on transfer day.
Upfront fees (2% agency, 1% bank fee)
| Cost | AED | Basis |
|---|---|---|
| DLD transfer fee (4%) | 72,000 | 4% of the price, paid to Dubai Land Department |
| DLD admin / title deed fee | 580 | Typical for apartments and villas |
| Registration trustee fee | 4,200 | AED 4,000 + VAT (price AED 500k or more) |
| Agency commission (2%) | 37,800 | Plus 5% VAT |
| Mortgage registration (0.25%) | 3,890 | 0.25% of the loan + AED 290 admin |
| Bank arrangement fee (1%) | 15,120 | Up to 1% of the loan + VAT; often negotiable |
| Property valuation | 3,150 | Paid to the bank's valuer, plus VAT |
| Total fees | 136,740 |
How mortgages work in Dubai
UAE banks lend for up to 25 years, and the loan must be repaid before you turn 65 (70 for some self-employed borrowers). The UAE Central Bank caps how much a bank can lend against the property value (the loan-to-value, or LTV). For a ready property bought as a first home, expats can borrow up to 80% if the price is AED 5 million or less and 70% above that. UAE nationals can borrow 85% and 75%. For a second or investment home the cap is 60% for expats and 65% for nationals, and for off-plan property it is 50%.
Banks also check that all your monthly debt payments, including the new mortgage, stay below 50% of your monthly income (the debt burden ratio). Most lenders ask for a minimum salary of around AED 15,000 a month.
Fixed rate or variable (EIBOR) rate?
Most Dubai mortgages start with a fixed rate for 1 to 5 years, then switch to a variable rate of 3-month EIBOR plus a margin. Compare offers on the rate after the fixed period ends, not only the opening rate, and ask about early settlement fees (capped at 1% of the outstanding loan or AED 10,000, whichever is lower).
Budget for the fees, not just the deposit
On top of the down payment you pay about 7 to 8% of the price in fees when you buy with a mortgage: the 4% DLD transfer fee, mortgage registration, the trustee office, agency commission, the bank arrangement fee and the valuation. See the full breakdown in our DLD fee calculator. If you are buying to qualify for residency, read our Golden Visa through property guide: since 2026 a mortgaged property can qualify.
Frequently asked questions
What is the minimum down payment for an expat in Dubai?
20% of the price for a first home worth up to AED 5 million, 30% above AED 5 million, and 40% for a second or investment property. Off-plan property needs at least 50%. Fees of around 7-8% of the price come on top.
How long can a mortgage be in the UAE?
Up to 25 years, and it must be repaid by age 65 for salaried borrowers (some banks allow up to 70 for self-employed borrowers).
How much salary do I need for a mortgage in Dubai?
Most banks ask for at least AED 15,000 a month, and your total monthly debt payments, including the new mortgage, must stay below 50% of your income.
Can non-residents get a mortgage in Dubai?
Yes, several UAE banks lend to non-residents, usually with a lower loan-to-value (often 50-60%) and stricter income checks than for residents.
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Results are estimates for guidance only, not financial advice. Fees, bank rates and rules change; confirm the figures with your bank, the Dubai Land Department or a RERA-registered agent before you commit.