Monthly payment, total interest and the cash you need on day one — worked out with the UAE Central Bank's lending limits and Dubai's purchase fees built in.

You are

Property type

Property priceAED

Down payment20% · AED 400,000

Minimum 20% — max loan-to-value is 80% for this purchase

Interest rate% / year

Your ageyears

Loan term25 years

Maximum 25 years

Buying through an agent (2% commission)

Estimated monthly payment

AED8,668

AED 1,600,000 loan over 25 years at 4.25%

Principal AED 1,600,000Interest AED 1,000,343

Loan-to-value80%of 80% allowed

Total repaid2.6Mprincipal + interest

Income needed19Kper month, minimum

Income needed is the higher of two CBUAE checks: this payment within 50% of income, and a loan no larger than 7× annual income. Other loans and card limits reduce what you can borrow.

Where each year's payments go

PrincipalInterest

Cash needed on day oneAED 551,020

Down payment20% of the priceAED 400,000
DLD transfer fee4% of the priceAED 80,000
DLD admin & title deedapprox.AED 580
Registration trustee feeAED 4,000 + VATAED 4,200
Mortgage registration0.25% of loan + AED 290AED 4,290
Bank arrangement feeup to 1% of loan + VATAED 16,800
Property valuationapprox. AED 2,500–3,500 + VATAED 3,150
Agent commission2% + VATAED 42,000

Dubai fees, estimated. Fees total AED 151,020 — about 7.6% of the price. Talk to an advisor →

The rules behind the numbers

UAE mortgage limits
at a glance.

Set by the UAE Central Bank for every bank in the country. Banks can be stricter — never more generous.

Maximum loan-to-valueExpatsUAE nationals

First home up to AED 5M80%85%

First home above AED 5M70%75%

Second home / investment60%65%

Off-plan (any buyer)50%50%

25 yrsMaximum loan term

50%Max share of income for all debt repayments

65 / 70Age by which the loan must be repaid (expats / nationals)

7× / 8×Max loan as a multiple of annual income

Results are estimates for planning only — not a loan offer. Your bank's rate, fees and approval decide the final numbers.
Loan-to-value, tenure, age and debt-burden limits follow the CBUAE mortgage regulations. Banks may apply stricter limits.
Purchase costs use typical Dubai fees; other emirates and GCC markets charge differently. Fees exclude service charges, insurance and moving costs.

Source: CBUAE Rulebook — Mortgage Loans · Fees last checked October 2026

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UAE mortgage limits
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What will it really cost you?

UAE mortgage limitsat a glance.

Get the rate your bank will actually offer.We'll compare lenders for you.

UAE mortgage limits
at a glance.

Get the rate your bank will actually offer.
We'll compare lenders for you.