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Dubai Mortgage Calculator

Calculate your monthly mortgage payments, total costs, and cash required at purchase. Covers UAE mortgage rules for residents and non-residents.

Mortgage Parameters

20%80%

Non-Resident Buyers

Non-residents must put down a minimum 35% for properties under AED 5M, and 20% for properties above AED 5M. Maximum loan-to-value (LTV) is 65%. UAE residents can get up to 80% LTV on their first property.

Mortgage Results

Monthly Payment

AED 7,226

Loan Amount

AED 1,300,000

Down Payment Amount

AED 700,000

Total Interest Paid

AED 867,747

Total Amount Paid

AED 2,167,747

Principal vs. Interest

60%
40%
PrincipalInterest

Additional Purchase Costs

DLD Fee (4%)AED 80,000
Mortgage Registration (0.25%)AED 3,250
Agency Fee (2%)AED 40,000
Admin FeeAED 5,000

Total Cash Required at Purchase

AED 828,250

Key UAE Mortgage Facts

Max LTV 65%

Non-residents: maximum 65% loan-to-value. 35% minimum down payment required.

Max LTV 80%

UAE residents: up to 80% LTV on first property under AED 5M.

5–25 Year Terms

Minimum loan term 5 years, maximum 25 years. Must be repaid before age 65 (employees) or 70 (self-employed).

0.25% Registration

Mortgage registration fee is 0.25% of the loan amount, payable to Dubai Land Department.

UAE Mortgage Rules for Non-Residents

Eligibility Requirements

  • Minimum age: 21 years old
  • Valid passport and visa (for non-residents, no UAE visa required)
  • Proof of income: salary certificates, bank statements (6 months minimum)
  • Property must be in a freehold-designated area
  • Maximum Debt Burden Ratio (DBR): 50% of monthly income

Documentation Required

  • Passport copy (all pages for some banks)
  • Proof of address in home country
  • 6 months bank statements
  • Employment letter or business registration
  • Credit report from home country
  • Signed purchase agreement (MOU / Form F)

Frequently Asked Questions

Can non-residents get a mortgage in Dubai?

Yes, non-residents can obtain mortgages from most UAE banks. The maximum loan-to-value (LTV) ratio for non-residents is 65%, meaning you need a minimum 35% down payment for properties under AED 5M. Several banks have dedicated international buyer programs with competitive rates.

What is the minimum down payment for a Dubai mortgage?

For UAE residents: 20% for first property (up to AED 5M), 30% for properties above AED 5M. For non-residents: 35% for properties under AED 5M, 20-25% for properties above AED 5M. Off-plan properties may require higher down payments depending on the developer and bank.

What are current mortgage interest rates in Dubai?

As of 2026, fixed mortgage rates in the UAE typically range from 4.5% to 6.0% for the initial fixed period (1-5 years), then revert to variable rates tied to EIBOR. Variable rates generally range from 4.5% to 6.5%. Some banks offer promotional rates starting from 3.49%. Rates vary by bank, loan amount, and borrower profile.

What is the maximum LTV ratio in Dubai?

Maximum LTV is 80% for UAE nationals (first property), 75% for UAE residents (first property under AED 5M), and 65% for non-residents. For second and subsequent properties, LTV limits are typically 5-10% lower. Off-plan properties have different LTV criteria.

Which banks offer mortgages to non-residents in Dubai?

Major UAE banks offering non-resident mortgages include Emirates NBD, ADCB, Mashreq Bank, FAB (First Abu Dhabi Bank), DIB (Dubai Islamic Bank), and HSBC Middle East. International banks like Standard Chartered and Citibank also offer UAE mortgage products.

Do I need mortgage pre-approval before buying in Dubai?

While not legally required, mortgage pre-approval is strongly recommended. It confirms your budget, strengthens your offer, and speeds up the buying process. Pre-approval is typically valid for 60-90 days and requires income documentation, bank statements, and identification.

Need Mortgage Pre-Approval Help?

Our team connects you with the best UAE mortgage brokers and banks. Get pre-approved quickly and find the best rates for your situation — whether you are a resident or buying from abroad.

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