Professional Financing Tool
Mortgage Calculator
Calculate monthly payments, upfront costs, and full amortization schedule
Property Financing
Full Amortization
Property Costs
Loan Details
AED
AED 100KAED 50M
%
AED
0%80%
years
%
Advanced Options
Estimated Monthly Payment
AED 26,192
Includes mortgage, insurance & service charges
4.5%
Mortgage Only
AED 22,233
Insurance
AED 2,083
Service Charges
AED 1,875
DBR
52.4%
Loan Summary
PrincipalAED 4,000,000
Total InterestAED 2,669,990
Total RepaymentAED 6,669,990
Upfront Costs (Dubai)
Down PaymentAED 1,000,000
Registration FeeAED 200,000
Agency CommissionAED 100,000
Valuation FeeAED 2,500
Admin FeeAED 4,000
Total RequiredAED 1,306,500
Loan Breakdown
Principal
AED 4,000,000
Interest
AED 2,669,990
Your Affordability
You can afford a property up to
AED 5,622,198
Debt Burden Ratio52.4%
Exceeds bank limit (50%) ✗
Remaining Balance Over Time
Dubai Mortgage Regulatory Info
- Max LTV for expats: 50% for properties > AED 5M, 80% for < AED 5M
- Max LTV for UAE nationals: 70% for first property
- DBR must not exceed 50% of gross monthly income
- Registration fee: 4% of property price + AED 4000 admin fee
- Agency commission: 2% of property price (negotiable)
Why Use Our Mortgage Calculator?
Make informed decisions about your property financing
Comprehensive Costs
Includes registration fee, agency commission, valuation fees, and annual service charges
Full Amortization
View year-by-year breakdown of principal vs interest over the full loan term
Affordability Analysis
Calculate your buying power based on monthly income and Debt Burden Ratio (DBR)