Estimate your monthly EMI, compare tenures, and plan your home purchase with confidence — no sign-up needed.
Use our free mortgage calculator to estimate your monthly home loan payments
Your monthly payable EMI will be
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.
Our mortgage advisors compare 150+ offers from major UAE banks to get you the best rate.
Get a Free ConsultationOur mortgage calculator makes home loan planning fast, accurate, and hassle-free.
Input the purchase price of the property you are considering
Drag the slider or enter the percentage or amount you plan to pay upfront
Select a repayment period of up to 25 years
Use the current market rate or the rates shown above
Your estimated monthly payment updates instantly
Get a clear picture of your home loan affordability before approaching a bank — no guesswork.
Know your monthly obligations before committing to a mortgage so there are no surprises at approval.
Adjust interest rates, tenure, and down payment to find the best combination for your budget.
1. What is a mortgage calculator and how does it work?
A mortgage calculator estimates your monthly home loan payments in Dubai. Enter the property value, down payment amount, interest rate, and loan tenure to instantly get your estimated EMI. It helps you check affordability before speaking to a bank or broker.
2. How much down payment is required for a mortgage in the UAE?
UAE Nationals need a minimum of 15%. Resident expats need 20% for properties under AED 5 million, and 30% above. Non-residents need a minimum of 40% regardless of property value. The calculator sets the correct minimum automatically.
3. How to calculate mortgage affordability in the UAE?
The UAE Central Bank requires all monthly debt payments — including your new mortgage — to not exceed 50% of your gross monthly income (Debt Burden Ratio). Estimate your EMI here, then check it stays within that limit.
4. What information do I need to use the mortgage calculator?
Four inputs: property value, planned down payment, loan tenure (years), and expected interest rate. You can use the current best rates shown in the banner at the top as a starting point.
5. Can expats use the UAE mortgage calculator?
Yes. Select the UAE Resident or Non-Resident tab to apply the correct defaults. Eligibility, actual interest rates, and loan limits vary based on income, credit history, and bank policies — speak to our advisors for a personalised assessment.
Our experts compare 150+ offers from major UAE banks to find the right home loan for your profile — free of charge.
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