Mortgage Calculator
UAE home loan repayments & affordability
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🇦🇪 UAE tip
UAE Central Bank caps mortgage payments at 50% of gross monthly income (Debt Burden Ratio). Expats can borrow up to 80% LTV for properties under AED 5M.
The UAE Mortgage Calculator estimates your monthly repayments and checks affordability under UAE Central Bank rules, including the Debt Burden Ratio (DBR) cap of 50%.
UAE mortgage rules for expats
UAE Central Bank regulations allow expats to borrow up to 80% LTV (Loan-to-Value) for properties under AED 5 million, and 70% for properties above AED 5 million. UAE nationals can borrow up to 85% LTV. The maximum loan tenure is 25 years (some banks offer up to 30 years for UAE nationals).
Debt Burden Ratio (DBR)
The UAE Central Bank caps total monthly debt repayments at 50% of gross monthly income. This includes all loans — car, personal, credit cards, and mortgage. This means if you earn AED 20,000/month, your total monthly repayments across all debts cannot exceed AED 10,000.
Additional costs when buying in UAE
Beyond the mortgage, factor in: 4% Dubai Land Department (DLD) transfer fee, 2% real estate agent commission, mortgage registration fee (0.25% of loan amount), and property valuation fee (AED 2,500–3,000). Total transaction costs typically run to 6–7% of the property price.
Frequently asked questions
Can expats get mortgages in UAE?+
Yes. Most major UAE banks offer mortgages to expatriate residents. You typically need a UAE resident visa, salary of at least AED 15,000/month, and 6 months of employment history. Self-employed applicants may need 2+ years of accounts.
What is a typical mortgage rate in UAE?+
Variable rates (EIBOR-linked) in 2026 range from approximately 4%–6% per year. Fixed rates for 1–5 year periods are typically 4.5%–6.5%. The rate depends on the bank, your salary, and loan size.
Is buying or renting better in Dubai?+
At current prices, buying is often more cost-effective than renting for those planning to stay 5+ years. The price-to-rent ratio in many Dubai areas is 15–20x annual rent, suggesting buying makes financial sense over the medium term.
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Mortgage Calculator
UAE Note
UAE Central Bank caps mortgage payments at 50% of gross monthly income (Debt Burden Ratio). Expats can borrow up to 80% LTV for properties under AED 5M.
Disclaimer: This result is an estimate for informational purposes only. Actual figures may vary based on individual circumstances, company policy, and applicable UAE law. Consult a qualified professional before making any financial or legal decisions.
Generated by UAE Tools Hub · uaetoolshub.com · 14 June 2026