Katalystor

Dubai Mortgage Calculator

Estimate monthly repayments, loan amount, and total interest for UAE home finance.

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Mortgage Calculator

Property priceAED 1,500,000

Monthly payment

AED 6,670

Loan amount

AED 1.2M

Total interest

AED 801K

Illustrative estimate at 4.5% annual interest. UAE residents may qualify for up to 75–80% LTV on first homes; non-residents often see 60–65%. Processing fees and insurance are not included.

How to use this calculator

Before you make an offer, model what the property will cost each month after finance. Adjust the purchase price, down payment percentage, and loan term to see estimated monthly repayments and total interest over the life of the loan.

UAE banks assess affordability using salary multiples, existing liabilities, and property valuation. Processing fees, life insurance, and property insurance add to the total cost of borrowing — budget 0.5–1% of the loan amount for bank fees.

Need help comparing bank offers? See our mortgage advisory service.

Frequently asked questions

What LTV can expats get in Dubai?
UAE residents often qualify for 75–80% loan-to-value on first homes. Non-residents and second properties typically see 60–65% LTV. Exact limits depend on the bank, income, and property type.
What interest rate does this calculator use?
The default estimate uses 4.5% annual interest as an illustrative UAE market rate. Actual offers vary with EIBOR-linked products, fixed-rate periods, and bank promotions.
Can Katalystor help with mortgage pre-approval?
Yes. Our mortgage advisory service connects buyers with advisors who compare bank offers based on residency, income, and property type. Visit our mortgage page or contact us for guidance.
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