Mortgage Calculator Dubai
Calculate your Dubai mortgage with AI-powered precision. Compare rates from 15+ UAE banks, get pre-approval estimates, and find the best home loan deals instantly.
AI-Powered Calculator Features
AI-Powered Calculations
Smart algorithms analyze your profile for accurate estimates
Multi-Bank Comparison
Compare rates and terms from 15+ UAE banks instantly
Pre-Approval Estimation
Estimate your pre-approval amount before applying
Total Cost Analysis
Calculate all costs including fees, insurance, and maintenance
Dubai Mortgage Types
UAE Resident Mortgage
Down Payment:
25% minimum
Max LTV:
75%
Interest Rate:
3.5% - 6.0%
Max Tenure:
Up to 25 years
Non-Resident Mortgage
Down Payment:
30-50% minimum
Max LTV:
50-70%
Interest Rate:
4.0% - 7.0%
Max Tenure:
Up to 20 years
Investment Property Loan
Down Payment:
30% minimum
Max LTV:
70%
Interest Rate:
4.5% - 7.5%
Max Tenure:
Up to 20 years
Off-Plan Property Finance
Down Payment:
20-30% minimum
Max LTV:
70-80%
Interest Rate:
3.8% - 6.5%
Max Tenure:
Up to 25 years
Partner Banks & Rates
| Bank | Min Rate | Max LTV | Processing | Specialties |
|---|---|---|---|---|
| Emirates NBD | 3.5% | 80% | 2-3 weeks | First-time buyers, competitive rates |
| ADCB | 3.7% | 75% | 2-4 weeks | High-value properties, expat-friendly |
| FAB | 3.6% | 75% | 3-4 weeks | Investment properties, flexible terms |
| HSBC UAE | 4.0% | 70% | 2-3 weeks | International clients, premium service |
| Mashreq Bank | 3.8% | 75% | 1-2 weeks | Quick processing, digital solutions |
| RAK Bank | 3.9% | 75% | 2-3 weeks | Competitive rates, flexible criteria |
Mortgage Calculation Example
AED 2M Property Purchase
Property Value
AED 2,000,000
Down Payment
AED 500,000 (25%)
Loan Amount
AED 1,500,000
Monthly Payment
AED 9,494
Interest Rate
4.5%
Loan Tenure
20 years
Total Interest
AED 778,560
Additional Costs & Fees
DLD Registration Fee
Amount: 4% of property value
Example: AED 80,000 (on AED 2M property)
Bank Processing Fee
Amount: 1-2% of loan amount
Example: AED 15,000-30,000
Property Valuation
Amount: AED 2,500-5,000
Example: AED 3,500 average
Life Insurance
Amount: 0.3-0.5% of loan annually
Example: AED 4,500-7,500/year
Property Insurance
Amount: 0.1-0.2% of property value
Example: AED 2,000-4,000/year
Legal Fees
Amount: AED 5,000-15,000
Example: AED 10,000 average
Mortgage Application Process
1. Pre-Qualification
5 minutesUse AI calculator to estimate eligibility and budget
Basic income and property information
2. Document Preparation
1-2 daysGather required documents and certificates
Salary certificate, bank statements, Emirates ID
3. Bank Application
1-2 weeksSubmit application to selected bank(s)
Complete application form and documents
4. Property Valuation
3-5 daysBank conducts independent property valuation
Property access for valuer
5. Final Approval
1-2 weeksBank reviews and approves mortgage
All conditions met and verified
6. Loan Disbursement
1-3 daysFunds transferred for property purchase
Signed loan agreement and property transfer
Calculate Your Dubai Mortgage Today
Get instant mortgage calculations with AI-powered precision. Compare rates from 15+ UAE banks and find the best home loan deal for your Dubai property purchase.