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.
Central Bank minimum for this buyer and price: 20%.
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
* 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.
Now you know what you can carry
The next question is whether the price is fair. Paste any listing and we will tell you what the registered Dubai Land Department record says about that building, not what the brochure says. When you want a person, we introduce you to a gold-rated agent and the agent pays us for the meeting, never you.
