Dubai Mortgage Calculator: Monthly Payment in Seconds

Planning to finance a property in Dubai? Use our free mortgage calculator below to estimate your monthly payments, total interest, and loan-to-value ratio before you speak to a lender.

How this calculator works

Enter the property price, your down payment (as a percentage or AED amount), the annual interest rate, and the loan term. The calculator instantly shows your estimated monthly payment, total loan amount, LTV, and the total interest you would pay over the life of the loan.

Key UAE mortgage rules to know

• Expat buyers typically need a minimum 20% down payment for properties under AED 5 million (15% for UAE nationals).
• The Central Bank of the UAE (CBUAE) caps mortgage terms at 25 years.
• Your total debt repayments generally cannot exceed 50% of your monthly income.
• Interest rates vary between fixed and variable products — compare offers from multiple lenders.

Knowing your monthly repayment is only half the decision — the other half is what the property earns back. After estimating your installment here, check the income side with the Dubai Rental Yield Calculator and the full investment performance with the Dubai Property ROI Calculator. Buyers comparing a mortgage against staying in a rented home should also try the Rent vs Buy Calculator for Dubai before committing. As a residential developer in Dubai, MSN Developments designed this calculator to reflect how UAE banks actually structure home finance.

These results are estimates for guidance only and do not constitute financial advice. Speak with a licensed mortgage advisor for a personalized assessment.