Dubai Diligence

Dubai mortgage calculator

Your monthly payment, and the part most calculators skip: the true upfront cash to buy in Dubai. Uses the UAE Central Bank down-payment rules and the actual Dubai Land Department fees.

Property price

AED

Buyer

Purpose

Down payment — 20% (AED 360,000)

Central Bank minimum for this buyer and price: 20%.

Interest rate — 4.25%

Term — 25 yrs

Monthly payment

AED 7,801

Loan amount

AED 1.44M

Down payment

AED 360,000

Loan-to-value

80%

Total interest

AED 900,309

Upfront cost to buy

Down paymentAED 360,000

DLD transfer fee (4% + AED 580)AED 72,580

Registration / trustee feeAED 4,200

Agency fee (2% + VAT)AED 37,800

Mortgage registration (0.25% + AED 290)AED 3,890

Bank arrangement fee (~1%) *AED 14,400

Property valuation *AED 3,150

Total cash neededAED 496,020

* Bank arrangement and valuation fees vary by lender. Down-payment floors follow UAE Central Bank caps: a primary residence needs 20% down up to AED 5M and 30% above it (15%/25% for UAE nationals); an investment or second property needs a flat 40% (35% for nationals) at any price. Off-plan purchases require 50% down. Transfer, registration and agency fees follow the Dubai Land Department schedule. Indicative only, not a mortgage offer or financial advice.