UAE Mortgage Calculator
Calculate your future in the UAE.
Accurate monthly payments and full upfront cost breakdowns for villas and apartments across Dubai, Abu Dhabi, and the wider emirates.
AED 2,450,000
500K20M AED
20%
4.25%
25 years
5 yrs25 yrs (UAE max)
UAE Property Insight
Plan with confidence — every dirham accounted for, before you sign.
Estimated Monthly EMI
AED 10,618
Principal & interest only. Insurance and service charges not included.
Loan AmountAED 1,960,000
Total Interest PayableAED 1,225,420
Total PaymentAED 3,185,420
Upfront Cash Required
UAE Costs- DLD Transfer Fee4% of property priceAED 98,000
- DLD Admin FeeTitle deed issuanceAED 580
- Agency Fee2% + 5% VATAED 51,450
- Mortgage Registration0.25% of loan + AED 290AED 5,190
- Trustee Office FeeProperty transfer trusteeAED 4,200
- Property ValuationBank-mandated valuationAED 3,150
- Bank Processing1% of loan + 5% VATAED 20,580
- Down PaymentEquity contributionAED 490,000
Total UpfrontAED 673,150
Amortization Schedule
How your loan balance breaks down between principal and interest over time.
| Year | Principal | Interest | Remaining Balance |
|---|---|---|---|
| Year 1 | AED 44,986 | AED 82,430 | AED 1,915,014 |
| Year 2 | AED 46,936 | AED 80,481 | AED 1,868,078 |
| Year 3 | AED 48,970 | AED 78,447 | AED 1,819,108 |
| Year 4 | AED 51,092 | AED 76,324 | AED 1,768,015 |
| Year 5 | AED 53,307 | AED 74,110 | AED 1,714,709 |
| Year 6 | AED 55,617 | AED 71,800 | AED 1,659,092 |