UAE EMI Calculator

Your monthly mortgage payment.

Reducing-balance EMI — the standard UAE bank calculation. Adjust the loan, rate, and tenure to see how each lever shifts your monthly outflow.

AED 2,000,000
4.25%
25 yrs

UAE max: 25 years.

Estimated Monthly EMI
AED 10,835

Principal & interest only. Insurance and service charges not included.

Loan AmountAED 2,000,000
Total InterestAED 1,250,429
Total PaymentAED 3,250,429

EMI in the UAE — what to know

  • Most UAE banks use reducing-balance interest. Flat-rate quotes look cheaper but cost more.
  • Fixed periods typically last 1–5 years; thereafter rates revert to EIBOR + bank margin.
  • Salary transfer to the lender often unlocks a 0.25%–0.50% rate discount.
  • Maximum residential tenure: 25 years, with borrower age capped at 65 (salaried) or 70 (self-employed).