UAE Mortgage Calculator 2026 — Compare Dubai & Abu Dhabi Rates

Mortgage Calculator

UAE Mortgage Calculator — Estimate Your Monthly Repayments

Select your residency status to calculate your exact CBUAE maximum LTV and minimum deposit. Our UAE mortgage calculator enforces the Central Bank rules automatically for nationals, residents and non-residents.

UAE National

UAE passport holder. Highest LTV allowed. Best rates and longest terms available.

1st home ≤ AED 5M85% LTV (15% min deposit)

1st home > AED 5M70% LTV (30% min deposit)

2nd+ property65% LTV (35% min deposit)

Max loan term25 years

Age at maturityUp to 70 years old

DBR cap50% of gross salary

🏠 UAE Resident (Expat)

Holds a UAE resident visa. 5% lower LTV than nationals. Most banks and Islamic products available.

1st home ≤ AED 5M80% LTV (20% min deposit)

1st home > AED 5M65% LTV (35% min deposit)

2nd+ property60% LTV (40% min deposit)

Max loan term25 years

Age at maturityUp to 65 years old

DBR cap50% of gross salary

✈️ Non-Resident Investor

No UAE visa. Buying as a foreign investor. Fewer banks participate and LTV is capped at 50%.

All property types50% LTV (50% min deposit)

Property > AED 5M50% LTV (same cap)

2nd+ property50% LTV (same cap)

Max loan term15–20 years

Eligible banksSelect banks only (6 of 12)

DBR capVaries by bank

Your Mortgage

Sliders auto-enforce CBUAE minimum deposits for your residency status

Property Value AED 2,000,000

AED 300KAED 20M

Down Payment 20% — AED 400,000

Min 20%75%

Interest Rate (p.a.) 4.25%

2.5%8.0%

Loan Term 25 Years

5 yrsMax 25 yrs

DBR Check — Minimum Salary Required

To keep your debt burden ratio at 50% CBUAE maximum:

AED 17,532 / month

Based on your monthly payment only. Factor in existing loan repayments for a full DBR picture.

Estimated Monthly Payment

AED 8,766

per month · 25 yr term · UAE National

Loan Amount

AED 1,600,000

Total Repayment

AED 2,629,800

Total Interest

AED 1,029,800

LTV Ratio

80%

Principal 60.7% Interest 39.3%

✓ Your deposit meets CBUAE requirements for a UAE National.

Payment Breakdown

Down Payment AED 0

Total Purchase Costs ▼ AED 0

Land Department Fee 4% of property value AED 0

Registration Trustee Fee Fixed govt. fee AED 0

Mortgage Registration Fee 0.25% of loan + AED 290 AED 0

Real Estate Agency Fee 2% + 5% VAT AED 0

Bank Arrangement Fee 1% of loan + 5% VAT AED 0

Mortgage Valuation Fee Approx. fixed fee AED 3,150

Total Amount Required Upfront AED 0

ℹ️ Fees are estimates based on standard Dubai DLD rates. Agency fee may vary (0–2%). Bank arrangement and valuation fees vary by lender. Always confirm with your bank and agent before transacting.

Month	Opening Balance	Payment	Principal	Interest	Closing Balance

Overpayment Calculator

Pay Off Your Mortgage Early

See exactly how much time and interest you save by making extra payments each month or as a lump sum.

Overpayment Options

Uses your mortgage details from the calculator above

Extra Monthly Payment AED 500

AED 0AED 20,000

One-Off Lump Sum AED 50,000

AED 0AED 500,000

Pay Lump Sum After Year 1

Year 1Year 24

Increase overpayment each year by 0%

No increase+10% per year

💡 Example: With AED 1,000 extra/month and 5% annual increase — Year 2 you pay AED 1,050, Year 3 you pay AED 1,102. Useful if you expect your salary to grow over time.

Based on your mortgage

Loan Amount

AED 1,600,000

Rate

4.25%

Term

25 years

Monthly Payment

AED 8,766

Total Interest Saved

AED 0

Adjust overpayment to see your savings

Original Payoff

25 yrs 0 mths

Without overpayments

New Payoff

—

With your overpayments

Time Saved

—

Months off your mortgage

Original Interest

—

Total interest without overpay

Mortgage timeline comparison

Standard

With overpay

Month Balance (Standard) Balance (Overpay) Int. Saved (cum.)

Bank Comparison

Compare UAE Mortgage Rates — Dubai & Abu Dhabi Banks 2026

Indicative rates from 12 UAE banks including conventional and Islamic mortgage products. Monthly payments auto-update from your calculator inputs above. Last updated: March 2026

📥

Export your comparison

Download all 12 banks with full P&I breakdown as a spreadsheet

Filter:

Bank	Rate p.a.	Tags	Est. Monthly	Max LTV	Term	P&I Breakdown

* Indicative rates, updated daily. Monthly payments use your current calculator inputs. Confirm figures directly with each bank. Wazn is not a licensed financial advisor.

Why Wazn

Built for the UAE Market

📊

Real-Time Rate Comparison

Indicative rates from 12+ UAE banks updated daily so you never miss a better deal.

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Islamic & Conventional

Murabaha and Ijara products compared side by side with conventional mortgages, transparently.

🔢

Residency-Aware Calculator

Enforces real CBUAE LTV caps per residency status, not generic estimates. Nationals, residents, non-residents each calculated correctly.

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Zero-Obligation

No sign-up. No hidden fees. We never sell your data. Apply directly with your chosen bank.

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Amortisation Schedule

See exactly how much principal and interest you pay year by year for the full life of your loan.

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Expanding Across Finance

Credit cards, car finance, insurance, and personal loans comparison tools are launching soon — one UAE platform for all your finances.

CBUAE Eligibility Guide

UAE Mortgage Eligibility — LTV Rules for Nationals, Expats & Non-Residents

The Central Bank of UAE (CBUAE) sets firm LTV caps. Here's exactly what applies to your situation before you apply for a home loan in Dubai or Abu Dhabi.

🇦🇪 UAE Nationals

Highest LTV allowance — best positioned for first-time purchase

✓

1st Property — Value ≤ AED 5M

85% LTV · Minimum 15% deposit

✓

1st Property — Value > AED 5M

70% LTV · Minimum 30% deposit

✓

2nd or Subsequent Property

65% LTV · Minimum 35% deposit

✓

Maximum Loan Term

25 years, or until borrower turns 70

✓

DBR Limit

Max 50% of verified gross monthly salary

🌍 Residents & Non-Residents

Residents get near-national limits. Non-residents face 50% cap across the board.

✓

Resident · 1st Property ≤ AED 5M

80% LTV · Minimum 20% deposit

✓

Resident · 1st Property > AED 5M

65% LTV · Minimum 35% deposit

✓

Resident · 2nd+ Property

60% LTV · Minimum 40% deposit

✓

Non-Resident (any property)

50% LTV · Minimum 50% deposit · Select banks only

✓

Resident age limit / Non-Resident terms

Residents: max age 65 at maturity · Non-residents: 15–20 yr max term

Frequently Asked Questions

UAE Mortgage FAQ

Common questions about getting a mortgage in Dubai and Abu Dhabi — answered clearly.

How much can I borrow for a mortgage in the UAE?

The CBUAE sets maximum loan-to-value (LTV) limits. UAE Nationals can borrow up to 85% for a first property under AED 5M. Expat residents can borrow up to 80%. Non-residents are capped at 50% LTV. Use our UAE mortgage calculator above to see exactly how much you can borrow based on your residency.

What is the minimum deposit for a mortgage in Dubai?

The minimum deposit in Dubai depends on your residency. UAE Nationals need at least 15% on properties under AED 5M. Expat residents need at least 20%. Non-resident investors must put down a minimum 50% deposit. These CBUAE rules apply across all emirates including Abu Dhabi.

What are the current mortgage rates in the UAE in 2026?

UAE mortgage rates in 2026 start from around 3.99% per annum for both conventional and Islamic (Murabaha/Ijara) products. Rates vary by bank, loan size, and borrower profile. CompareWazn shows live indicative rates from 12+ UAE banks — compare them instantly above.

Can expats get a mortgage in the UAE?

Yes. UAE resident expats can get a mortgage and borrow up to 80% LTV on properties under AED 5M. Major banks offering expat mortgages include Emirates NBD, HSBC, FAB, ADCB and Standard Chartered. Both conventional and Islamic finance products are available to expats.

Can non-residents buy property in Dubai with a mortgage?

Yes, non-residents can get a mortgage in Dubai but are limited to 50% LTV — meaning a minimum 50% deposit is required. Loan terms are typically capped at 15–20 years for non-residents. Only select UAE banks offer non-resident mortgages. CompareWazn filters these for you automatically.

What are the upfront costs of buying property in Dubai?

Upfront costs in Dubai typically include: Dubai Land Department fee (4% of property value), mortgage registration fee (0.25% of loan + AED 290), bank arrangement fee (~1%), property valuation (~AED 3,150), and agency fee (2% + VAT). Use our upfront cost calculator in the mortgage tool above to see your exact total.

How does Islamic home finance work in the UAE?

Islamic home finance in the UAE uses Sharia-compliant structures instead of interest. The two main types are Murabaha (the bank buys the property and sells it to you at a profit) and Ijara (a lease-to-own arrangement). Banks like DIB, ADIB and Emirates Islamic offer these products at competitive rates compared to conventional mortgages.

Do I need a mortgage broker in Dubai?

You don't need a mortgage broker in Dubai. CompareWazn lets you compare rates from 12+ UAE banks for free, with CBUAE rules enforced automatically. You can review full amortisation schedules and apply directly to your chosen bank — no broker fees, no sign-up required.

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