Estimate your monthly mortgage payment in Dubai based on purchase price, down payment, loan period, and interest rate.
Mortgage Calculator
Estimate your monthly mortgage payment, upfront purchase costs, and total amount required to buy a property in Dubai.
Use this to estimate loan costs. Residency presets and initial figures are editable examples, not approval limits. Your lender determines eligibility, valuation, loan-to-value and actual terms. For rental income and cash-on-cash return, use the Cash Flow Calculator.
Review upfront cost assumptions
These editable budgeting allowances are not a bank quotation or a complete fee schedule. Percentage allowances include any VAT assumed within the entered rate. Confirm each amount for your transaction.
This calculator assumes a repayment mortgage with a constant entered rate across the modeled term. It does not forecast rate resets or include recurring life/property insurance within the loan payment. At 100% down payment, borrowing-related fees are zero. All cost allowances can be edited. This calculator is for general guidance only. Actual mortgage approval, interest rates, loan-to-value, bank fees, agency fees, valuation fees, registration fees, and upfront costs can vary depending on the bank, buyer profile, property type, valuation, and transaction structure.
Need help understanding what you can afford?
Mortgage payments are only one part of the buying decision. I can help you review budget, property options, service charges, rental value, and realistic exit potential.
Want help interpreting these numbers?
Book a consultation and get clear advice on whether this property makes sense for your goals, budget, and timeline.
Book a ConsultationFrequently Asked Questions
How much down payment do I need for a Dubai mortgage?
Down payment depends on your lender, residency, property value, valuation, existing loans and product. The calculator uses editable budgeting presets, not an approval decision. Obtain a current written lender quotation.
What upfront costs are there beyond the down payment?
DLD transfer fee (4%), trustee fee, mortgage registration fee, valuation fee, bank arrangement fee, and agency commission — all included in this calculator’s breakdown.