Mortgage Calculator UAE & Dubai 2026: Monthly EMI | 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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Mortgage calculator for Dubai and the UAE

See your monthly payment for the fixed-rate period and after it, your down payment, and a full amortization table. Change any number and the results update as you type.

Your loan details

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 80%.
Max LTV for UAE Resident: 80% (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.
Monthly payment, fixed period
AED 4,458.50
at fixed rate 3.94% for 24 months
Monthly payment after the fixed period
AED 5,476.56
at variable rate 6% for 276 months
Loan amountAED 800,000
Down paymentAED 200,000

Plus fees such as the 4% DLD transfer fee, valuation and bank processing.

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.

Tell us what you're financing.

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Common questions about this calculator.

Quick answers about how these figures work. Can’t find yours? See our mortgage FAQ or WhatsApp an advisor.

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.
Banks cap all your monthly debt repayments, including the new mortgage, at 50% of your gross monthly income (your debt burden ratio, or DBR). They also cap the loan at a share of the property price: indicatively 85% for UAE Nationals, 80% for UAE Residents and 65% for Non-Residents on properties of AED 5 million or below. Our DBR calculator shows how much room your salary leaves for a mortgage payment.
The monthly figures cover the loan only. On top of your down payment, budget for the Dubai Land Department transfer fee (typically 4% of the property price), the bank’s valuation fee and its processing charges. An advisor can give you the full cost breakdown for your purchase.

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.

Mortgage guides worth reading before you apply.

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

View all articles