Best Fixed Rate
3.89%
2 Years
Fixed Rate
3.95%
3 Years
3-Month EIBOR
%
Live Rate
1-Month EIBOR
%
Live Rate
๐Ÿ  Free UAE Mortgage Calculator

Calculate Your Home Loan
in Seconds

Estimate your monthly EMI, compare tenures, and plan your home purchase with confidence โ€” no sign-up needed.

1 Enter property value
2 Set down payment
3 Choose tenure & rate
4 Get your EMI instantly

Mortgage Calculator UAE

Use our free mortgage calculator to estimate your monthly home loan payments

AED
20% ย ยทย  AED 300,000
%
AED
25 years
Yrs
Mo
3.89%
%

Your monthly payable EMI will be

AED6,261

Based on a loan of AED 1,200,000 at 3.89% interest

This calculator provides an estimate only. Actual mortgage terms, interest rates, and approvals are subject to individual bank assessments and UAE Central Bank regulations.

Down Payment Requirements

UAE NationalMin 15%
Resident (โ‰ค AED 5M)Min 20%
Resident (> AED 5M)Min 30%
Non-Resident (any value)Min 40%

โš™๏ธ Factors Affecting Your Mortgage

๐Ÿ’ฐ
Down Payment20% for residents ยท 40% for non-residents
๐Ÿ“…
Loan TenureUp to 25 years with most UAE banks
๐Ÿ“ˆ
Interest Rate TypeFixed (1โ€“5 yr) or variable (EIBOR-linked)
โš–๏ธ
Debt Burden RatioTotal debts must stay below 50% of income

Need Expert Guidance?

Our mortgage advisors compare 150+ offers from major UAE banks to get you the best rate.

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Calculate Your Mortgage in 5 Simple Steps

Our mortgage calculator makes home loan planning fast, accurate, and hassle-free.

๐Ÿ 

Enter Property Value

Input the purchase price of the property you are considering

๐Ÿ’ณ

Set Down Payment

Drag the slider or enter the percentage or amount you plan to pay upfront

๐Ÿ“…

Choose Loan Tenure

Select a repayment period of up to 25 years

๐Ÿ“Š

Enter Interest Rate

Use the current market rate or the rates shown above

โœ…

Get Your EMI

Your estimated monthly payment updates instantly

Benefits of the Neon Mortgage Calculator

01

Financial Clarity

Get a clear picture of your home loan affordability before approaching a bank โ€” no guesswork.

02

Plan Ahead

Know your monthly obligations before committing to a mortgage so there are no surprises at approval.

03

Compare Loan Options

Adjust interest rates, tenure, and down payment to find the best combination for your budget.

Frequently Asked Questions

1. What is a mortgage calculator and how does it work?

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2. How much down payment is required for a mortgage in the UAE?

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3. How to calculate mortgage affordability in the UAE?

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4. What information do I need to use the mortgage calculator?

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5. Can expats use the UAE mortgage calculator?

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Get the Best Mortgage Rates in the UAE

Our experts compare 150+ offers from major UAE banks to find the right home loan for your profile โ€” free of charge.

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