Dubai mortgage calculator
Calculate a Dubai mortgage instalment and check it against the rules that decide approval: the UAE Central Bank loan-to-value ceiling for your buyer type, and the 50% debt burden ratio.
Free, no sign-up. Rates reviewed 26 July 2026The loan
Who is borrowing
These three answers set your Central Bank ceiling. They are not preferences, they are the rule.
Affordability
Optional, but it is what the bank checks first.
On a 1,600,000 loan at 4.25% over 25 years.
You repay 2,600,343 in all, of which 38.47% is interest.
The two limits that decide the approval
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How this is calculated
The instalment is the standard amortisation formula: a level monthly payment that clears the loan over the term at the rate given, with the monthly rate taken as the annual rate divided by twelve. The result is rounded to the fil once and never re-multiplied.
The loan-to-value ceiling is regulatory, not commercial. Central Bank of the UAE mortgage regulations cap an expat resident at 80% on a first ready property up to AED 5 million and 70% above it, 60% on a second property, with UAE nationals 5 percentage points higher in each band. Off-plan is capped at 50% for everyone, regardless of price, nationality or how many properties you own. A bank may lend less. None may lend more.
The debt burden ratio compares this instalment plus your existing monthly commitments against gross monthly income, against a 50% limit. When it is breached the tool works backwards: it takes 50% of income, subtracts the existing commitments, and shows both the instalment that leaves and the loan that instalment would service at the same rate and term.
What is not included: the purchase fees, which are paid in cash at completion and cannot be borrowed, and life or property insurance, which most lenders require.
Questions people ask
How much deposit do I need to buy property in Dubai as an expat?
For a first ready property under AED 5 million, the Central Bank of the UAE caps the loan at 80%, so the minimum deposit is 20%. Above AED 5 million the cap drops to 70%, so 30%. On a second property the cap is 60%. UAE nationals get 5% more in each band. Remember the purchase fees, roughly 6.5% cash or 8% with a mortgage, are paid in cash on top of the deposit and cannot be borrowed.
Can I get a mortgage on off-plan property in Dubai?
Yes, but the loan is capped at 50% of the value for every buyer, national or expat, first property or not. Not every bank finances every project, and those that do usually release the money against construction milestones rather than in one payment.
What is the debt burden ratio and why does it matter more than the price?
The DBR is your total monthly debt repayments as a share of gross monthly income, and the Central Bank caps it at 50%. It counts everything: this mortgage, car finance, credit card minimums and any other loan. Most declined applications in Dubai fail here rather than on the property, because a car loan and a credit card can quietly consume the room a mortgage needed.
What is the maximum mortgage term in the UAE?
25 years, and the loan must normally be repaid by age 65 for a salaried borrower or 70 for someone self-employed, so an older borrower gets a shorter term and therefore a higher monthly instalment.
Are Dubai mortgage rates fixed or variable?
Both exist. A fixed rate is usually fixed for one to five years and then reverts to a variable rate tied to EIBOR plus a margin. The instalment here assumes one rate for the whole term, so for a fixed-then-variable product it is worth running the calculation twice, once at the fixed rate and once at a realistic reversion rate.
Other free tools
These numbers, against real Dubai inventory
Doment tracks Dubai off-plan, resale and rental stock against the Dubai Land Department register, with published payment plans, handover dates and prices on every project.