Estimate your monthly mortgage payment.
Move the sliders to see your monthly repayment, total interest and total cost for any UAE property. Then get a free, no-obligation pre-approval with your exact rate.
Rate guidance updated 18 Jul 2026 · 3M EIBOR 3.83%
- Loan amount
- AED 1,200,000
- Total interest
- AED 750,257
- Total repayable
- AED 1,950,257
What affects your monthly payment
- Property price & deposit — a bigger deposit means a smaller loan and lower repayments. Residents typically need 20% down on a first home under AED 5M.
- Interest rate — fixed rates give certainty; variable rates track EIBOR and can move over time.
- Tenure — up to 25 years. A longer term lowers the monthly payment but increases total interest paid.
Want the detail? Read how to estimate your monthly payment, or the full cost of buying property in Dubai.
From estimate to approval
The calculator is a starting point. Your real rate depends on your income, residency and the lender. We compare every major UAE bank — including Emirates NBD, FAB and HSBC — to find your sharpest option, whether you’re a resident or buying from abroad.
Calculator FAQs
How is my monthly mortgage payment calculated in the UAE?
Your monthly payment (EMI) is based on the loan amount, the interest rate and the tenure, using the standard reducing-balance formula. A larger deposit lowers the loan amount; a longer tenure lowers the monthly payment but increases total interest.
What interest rate should I use in the calculator?
Use a realistic starting rate. UAE fixed rates currently start from around 3.9% for strong profiles, while variable rates track EIBOR (3-month EIBOR is 3.83%). We’ll confirm your exact rate across every lender.
Does the calculator include fees?
No — it estimates the loan repayment only. Buying costs of roughly 7% (4% DLD, agency, valuation and mortgage-registration fees) are paid separately, in cash, and are not added to the loan under current rules.
How much can I borrow?
As a guide, banks lend up to around 7x annual income, with total repayments capped at 50% of monthly income (the debt burden ratio). Book a free pre-approval for an exact figure.
Know your number? Let’s make it real.
Get a free pre-approval with your exact rate across every UAE lender.