Mortgage Calculator

Plan your Dubai property financing with our comprehensive mortgage calculator

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Mortgage Details

Property Value (AED)

Down Payment (%)

25%

Down Payment Amount (AED)

Interest Rate (%)

Loan Term (Years)25 years

Payment Frequency

Monthly

Quarterly

Nationality

UAE Resident

Non-Resident

Enter mortgage details to see your payment schedule and loan breakdown.

Dubai Mortgage Guidelines

Loan-to-Value (LTV) Limits

The UAE Central Bank sets maximum LTV ratios for mortgages:

UAE Nationals: Up to 80% LTV for properties under AED 5M, 70% for properties above AED 5M
Expatriate Residents: Up to 80% LTV for first property under AED 5M, 65% for properties above AED 5M
Non-Residents: Up to 75% LTV regardless of property value

Debt Burden Ratio

Banks in the UAE typically require that your total monthly debt payments (including the new mortgage) do not exceed 50% of your monthly income. Some banks may have stricter requirements, especially for non-residents. Your eligibility will also depend on factors such as employment stability, credit history, and residency status.