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FINANCING

Mortgage calculator

Work out what you can borrow and what it costs each month, then see what to ask a lender for. CBUAE LTV caps for residents (UAE national 85% / expat 80% on a first home); non-residents are typically ~50%, set at the bank's discretion.

Your buyer category · sets the CBUAE LTV cap
Monthly payment
AED 9,159a month
Loan AED 1,600,000 · 25 yr × 4.79%
DBR · total debt burden ratio30.5%
30.5% of income · 19.5% headroom
Loan-to-value · Expat Resident cap 80%80.0%
Borrowing 80% of the price · 0% under the cap
Total interestAED 1,147,618
Total repaymentAED 2,747,618
These are your own figures worked through the CBUAE limits — not a lender decision. A bank will run its own checks on your income, credit record and the property before it offers anything.
Browse homes in your range
How a UAE mortgage works

The few rules that actually shape your budget — deposit caps, the 50% affordability limit, term, how rates work, and the costs beyond your deposit.

What actually sets your rate

We don't publish bank rates — we have no rate feed, and a number that's weeks stale is worse than none when it's the biggest cost in the purchase. Rates move with EIBOR and are set per applicant. Ask each bank for these four things and you can compare offers properly:

  • The reversion rate, not the headline

    Most UAE mortgages are fixed for an intro period, then revert to EIBOR plus the bank's margin. That margin is what you live with for most of 25 years — the intro rate is a teaser.

  • The margin over EIBOR

    Quoted as EIBOR + x%. Two banks with the same headline can differ by a full percentage point after the fixed period ends.

  • Early settlement cost

    Capped by the CBUAE at 1% of the outstanding balance or AED 10,000, whichever is lower. Banks differ within that cap, and it matters if you might sell or refinance.

  • Arrangement and valuation fees

    Typically around 1% of the loan plus a valuation fee. A lower rate with higher fees can cost more over a short hold.

General information, not financial advice · subject to CBUAE Mortgage Regulation 2013 (as amended 2020) · your rate and terms are set by your bank.

Your listing flow

Buy a ready property

Resale of a property whose title is already issued, from the buyer's side.

  1. ✓Form A — Seller's authority to market
  2. ✓Trakheesi permit issued
  3. ✓Listing live
  4. ✓Form B — Buyer's agreement with their agent
  5. ✓Viewings
  6. ✓Mortgage pre-approval
  7. ✓Form I — Broker-to-broker commission split
  8. ✓Offer made
  9. ✓Offer accepted
  10. ✓Form F — Contract of sale (MOU)
  11. ✓Deposit paid
  12. ✓Buyer identity and AML check
  13. ✓Developer NOC
  14. ✓Bank valuation
  15. 15Mortgage or liability settled
  16. 16Transfer at a DLD trustee office
  17. 17Title deed issued
  18. 18Handover and utilities
Comply

Mortgage or liability settled

● You’re here

If either side has finance, the bank's letter and any existing mortgage discharge have to be in hand before a transfer date holds.