Dubai Mortgage Calculator

Compute monthly EMI, total interest, and required down payment for any UAE property.

Monthly EMI
AED 6,670
Down paymentAED 300,000
Loan amountAED 1,200,000
Total interestAED 800,997
Total paidAED 2,000,997

UAE mortgage down payment rules (2026)

  • First property, expat, under AED 5M — 20% minimum down
  • First property, UAE national, under AED 5M — 15% minimum down
  • Any property over AED 5M — 30% minimum down
  • Second or investment property — 40% minimum down
  • Off-plan — 50% minimum down (varies by bank)

Typical 2026 rates

UAE mortgage rates currently range 3.99–5.49%. Fixed-rate products usually lock for 1–3 years then revert to a base + margin. HSBC and ADCB tend to have the lowest expat rates; Emirates NBD and Mashreq have broader approval criteria.

Pair this with the DLD fees calculator and rental yield calculator to evaluate full project cost and returns.

Want the full picture?

This tool gives you one metric. REMAP pulls DLD transactions, service charges, rental comps, and market velocity for every unit. Paste any Bayut or Property Finder URL and get a complete Net ROI breakdown in 30 seconds.

Run a full REMAP analysis on any Bayut URL