Estimate your monthly mortgage payment, total interest paid, and full amortization schedule instantly. All figures displayed in UAE Dirhams (AED).
RADA Real Estate's mortgage calculator helps buyers in Dubai and the UAE estimate their monthly repayments, total loan cost, and affordability before applying for a home loan. Whether you are buying an apartment in Dubai Marina, a villa in Arabian Ranches, or an off-plan unit in Jumeirah Village Circle, understanding your mortgage obligations upfront is a critical step in the property buying process. Use the calculator above to adjust the property price, down payment, interest rate, and loan term to see an instant estimate of your monthly payment.
The UAE Central Bank regulates mortgage lending across the Emirates. For expatriate buyers, the maximum loan-to-value (LTV) ratio is 80% for properties valued under AED 5 million, meaning a minimum 20% down payment is required. For UAE nationals, the LTV can be up to 85%. For properties above AED 5 million, the maximum LTV drops to 70% for expats and 75% for nationals. Mortgage terms in the UAE typically range from 5 to 25 years, and interest rates are available on both fixed and variable rate structures. Fixed rates offer repayment certainty for the initial period, usually 1 to 5 years, after which the rate reverts to a variable rate linked to EIBOR (Emirates Interbank Offered Rate).
Beyond the property price and mortgage repayments, buyers in Dubai should budget for several additional costs. The Dubai Land Department (DLD) transfer fee is 4% of the purchase price, payable on transfer of ownership. Mortgage registration fees are 0.25% of the loan amount plus AED 290. Real estate agency fees are typically 2% of the purchase price for secondary market transactions. For off-plan purchases, developers often offer reduced or waived DLD fees as part of launch promotions. Buyers should also account for property valuation fees, conveyancing costs, and ongoing service charges, which vary by community and are charged annually by the developer or owners association.
RADA Real Estate works with a network of UAE-approved mortgage brokers and banks to help buyers secure the most competitive home loan rates available. Our mortgage advisors can assist with pre-approval, bank comparisons, documentation requirements, and full application support. Whether you are a UAE national or expatriate, a first-time buyer or experienced investor, RADA can connect you with the right financing solution for your property purchase. Contact RADA Real Estate to speak with a mortgage advisor or to get a personalised affordability assessment based on your income, savings, and property goals.