UAE Mortgage Calculator | Amortization Tool | WayzFinder
EIBOR rates as of 22 July 2026: Overnight 3.43%, 1 Week 3.60%, 1 Month 3.78%, 3 Months 3.80%, 6 Months 3.89%, 1 Year 4.15%. Source: Central Bank of the UAE.
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Type your numbers. See your fixed and variable payments.

Enter your residency status, property value, and loan structure exactly as you're planning it. Figures format with commas automatically as you type.

Mortgage Calculator

AED
Enter a property value of at least AED 300,000.
AED
Loan value can't exceed the LTV cap for this residency status.
%
Max LTV for this residency status is 85%.
Max LTV for UAE National: 85% (properties ≤ AED 5M)
%
Enter a valid percentage.
%
Enter a rate between 2% and 10%.
mo
Enter a duration of at least 1 month.
yrs
Enter a duration of at least 0.08 years.
Fixed Rate Tenor Repayment
AED 4,458.50
at fixed rate 3.94% for 24 months
Variable Rate Tenor Repayment
AED 5,476.56
at variable rate 6% for 276 months
Disclaimer: This is not a finance approval & all calculations are approximate. Subject to Central Bank UAE mortgage/LTV regulations. Subject to product offerings/criteria by banks.

How this estimate is built

Each figure above is the standard level monthly payment for this loan amount over your full loan term: one calculated at the intro rate, one at the variable rate, so you can compare what each rate structure would cost you per month. It is not a blended or re-amortized figure across the two phases.

  • Figures exclude DLD transfer fees (typically 4% of property value), valuation fees, and bank processing charges.
  • LTV caps shown are indicative for properties valued at AED 5 million or below; higher-value properties and off-plan purchases carry different caps.
  • Non-Resident lending is a bank policy product: LTV, rate, and minimum income requirements vary more by lender than for residents or nationals.
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Tell us what you're financing.

Share a few details and an advisor will call within one business day with a shortlist of banks likely to approve your file.

We never share your details with third parties.
Typically a call back within one business day.
No cost, no obligation, no impact on your credit score.
Please enter your name.
Please enter a minimum monthly salary of AED 10,000.
Please enter a valid date of birth (age 18-70).
Please enter a valid phone number with country code.
Please enter a valid email address.

By submitting, you agree to be contacted by a WayzFinder advisor. We never share your details with third parties.

FAQ

Common questions about this calculator.

The calculator defaults to an indicative intro (fixed) rate of 3.94% and a variable rate of 6.00%, reflecting the general fixed-then-variable structure common to UAE mortgage products. You can type in your own rates if a bank has already quoted you specific figures.
Indicative LTV caps for properties valued at AED 5 million or below are approximately 85% for UAE Nationals, 80% for UAE Residents, and 65% for Non-Residents, based on published UAE Central Bank mortgage regulations. Individual bank policy and property value band can affect the exact cap that applies to you.
No. This is an estimate for planning purposes only, not a finance approval. Your actual rate and LTV depend on your residency status, income, credit profile, and the specific bank you are matched to. WayzFinder confirms exact figures once you are matched with a lender.
One more number worth checking

See your Debt Burden Ratio too.

Your monthly payment is only half the picture. Check how much of your income is already committed to other debt before you apply.

Check your DBR Free, and takes about a minute.
From the blog

Mortgage guides worth reading before you apply.

Practical, plain-English articles on UAE mortgages, written by our own brokerage team.

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