UAE Central Bank Guidelines

Dubai Mortgage Calculator

Calculate your down payment, monthly repayments and total purchase costs based on current UAE Central Bank lending rules.

Property Price (AED)

Interest Rate (% p.a.)

Mortgage Term (years)

Buyer Profile

First Home in UAE?

Monthly Income (AED) - Optional

Enter a property price to calculate costs

For illustrative purposes only. This calculator provides estimates based on UAE Central Bank guidelines. Figures do not account for your individual financial circumstances or lender-specific criteria. This is not financial advice. Always consult a licensed mortgage advisor before making any property decisions.

UAE Mortgage Rules Explained

Down Payment Requirements

The UAE Central Bank sets minimum down payments based on buyer profile and property value. Expat residents need 20% for a first home under AED 5M, UAE Nationals need 15%. For properties above AED 5M, all buyers need 30%.

Debt Burden Ratio (DBR)

UAE banks cannot lend if your total monthly debt repayments exceed 50% of your gross monthly income. This is the Central Bank's DBR limit. Use the income field above to check whether you're within this threshold.

Maximum Loan Tenure

UAE banks offer mortgage terms of up to 25 years for residential properties. The maximum age at the end of the mortgage term is typically 65 for salaried employees and 70 for self-employed.

Fees to Budget For

Beyond the down payment, budget for: DLD Transfer Fee (4%), Agency Fee (~2%), Bank Setup & Valuation (~1% of loan value), and DLD registration fees. Total upfront costs are typically 6-8% of the purchase price.

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