Dubai Mortgage Calculator
Calculate the real monthly cost of buying any property in Dubai — including the 4% Dubai Land Department fee, 2% agent commission, service charges, and insurance. Works for Downtown Dubai, Dubai Marina, Palm Jumeirah, Business Bay, and every other freehold area in the city.
Loan details
Monthly EMI
AED 10,950
Loan: AED 1,875,000 • 25 years at 4.99%
Total interest
AED 1,410,043
Total payment
AED 3,285,043
Down payment
AED 625,000
Upfront fees
AED 175,250
Loan composition
- PrincipalAED 1,875,000
- InterestAED 1,410,043
Loan balance over time
Upfront cost: AED 800,250
- Down payment (25%)AED 625,000
- DLD transfer fee (4%)AED 100,000
- Agent commission (2%)AED 50,000
- Mortgage processing (1%)AED 18,750
- DLD trustee feeAED 4,000
- Property valuationAED 2,500
How Dubai Mortgages Work
Dubai mortgages follow a straightforward structure: a 20-25% down payment (higher for non-residents), a fixed-then-variable interest rate, and a tenure of up to 25 years. Most major UAE banks — Emirates NBD, Mashreq, ADCB, HSBC, and Standard Chartered — lend across freehold areas including Downtown Dubai, Dubai Marina, and Palm Jumeirah.
The hidden cost most calculators miss is the true monthly cost — the EMI plus the recurring service charges (paid quarterly to your building, typically AED 12-30 per square foot per year) and property insurance. For a 1,000 sqft 1BHK in Downtown Dubai, service charges alone add roughly AED 1,300-2,500 per month on top of EMI.
Upfront costs run 6-8% of the property price: 4% Dubai Land Department transfer fee, 2% agent commission, AED 4,000 trustee fee, AED 2,500 valuation fee, and ~1% mortgage processing. The calculator above includes all of these in the "Upfront fees" line.
For non-residents, the freehold framework lets you own outright — including resale and inheritance rights. Properties valued AED 750k+ qualify for a 2-year property investor visa; AED 2M+ qualifies for the 10-year Golden Visa.
Frequently Asked Questions
20% minimum for residents on properties up to AED 5M, 25% minimum for non-residents. Above AED 5M the requirement rises to 35-40%. Off-plan purchases typically start at 10-20% on booking with the balance staged.