Calculate your monthly repayment
Use our free mortgage calculator to estimate monthly repayments, minimum down payment, and purchase fees — based on UAE Central Bank rules. Whether you're a first-time buyer or investing in a second property, get clarity on your numbers before speaking to a bank.
Frequently asked questions
Your monthly payment depends on the loan amount, interest rate, and loan term. Banks use a standard amortization formula: you pay the same amount each month, with more interest early on and more principal later. Our calculator applies this formula so you can see estimated repayments before speaking to a lender.
UAE Central Bank rules set minimum down payments by buyer type: typically 15% for UAE nationals, 20% for UAE residents, and 25% for non-residents on their first property. Investment or second homes may require higher deposits. The calculator adjusts the minimum down payment when you change residency status.
Beyond your down payment, buyers usually pay Dubai Land Department transfer fees (around 4% of the property value), mortgage registration and processing fees, valuation, trustee fees, and broker commission. Our upfront costs section lists common estimates — your final bill may vary by property and bank.
UAE home loan rates vary by bank, product, and whether the rate is fixed or linked to EIBOR. Fixed rates often fall between roughly 3% and 5% per year for introductory periods. Use our slider to model different scenarios, then contact 800 Homes for live bank offers.
Most UAE banks offer home loans up to 25 years, subject to your age at maturity (often capped around 65–70). Shorter terms mean higher monthly payments but less total interest. Use the loan period slider to see how tenure affects your budget.
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