UAE RATES as of 18 Jul 2026
UAE Base Rate 3.65% — 1M EIBOR 3.76% — 3M EIBOR 3.83% — 6M EIBOR 3.81% — 12M EIBOR 4.13% — Emirates NBD from 3.99% First Abu Dhabi Bank from 3.89% ADCB from 4.15% Mashreq from 4.25% HSBC from 3.94% Dubai Islamic Bank from 4.10% Abu Dhabi Islamic Bank from 4.20% RAKBANK from 4.15% Standard Chartered from 3.98% Emirates Islamic from 4.05% Sharjah Islamic Bank from 4.18% Ajman Bank from 4.23% Invest Bank from 4.28% United Arab Bank from 4.25% Arab Bank from 4.21% Commercial Bank of Dubai from 4.03% National Bank of Fujairah from 4.18%
UAE Base Rate 3.65% — 1M EIBOR 3.76% — 3M EIBOR 3.83% — 6M EIBOR 3.81% — 12M EIBOR 4.13% — Emirates NBD from 3.99% First Abu Dhabi Bank from 3.89% ADCB from 4.15% Mashreq from 4.25% HSBC from 3.94% Dubai Islamic Bank from 4.10% Abu Dhabi Islamic Bank from 4.20% RAKBANK from 4.15% Standard Chartered from 3.98% Emirates Islamic from 4.05% Sharjah Islamic Bank from 4.18% Ajman Bank from 4.23% Invest Bank from 4.28% United Arab Bank from 4.25% Arab Bank from 4.21% Commercial Bank of Dubai from 4.03% National Bank of Fujairah from 4.18%
TOLL FREE 800 MORTGAGES Get pre-approved
Smart calculators

UAE mortgage calculators, done properly.

Type or drag, enter tenure in years or months, and we auto-cap it by your age. Your inputs are saved as you move between tools — so you never start over.

Get pre-approved free Compare bank rates
  • 5Smart calculators
  • JointCombined-applicant ready
  • SavedInputs persist across tools
  • FreeNo sign-up needed
Payment calculator

Estimate your monthly repayment, total interest and total cost.

Open calculator → Affordability

See how much you could borrow — and the property price it buys.

Open calculator → Eligibility

Check if you’d qualify — resident, non-resident or self-employed.

Open calculator → DBR calculator

Test your debt-burden ratio against the 50% cap, with what-ifs.

Open calculator → Buyout savings

See what switching your mortgage to a lower rate could save.

Open calculator →

Every figure is indicative — speak to an advisor to confirm your exact numbers.