Mortgage calculator · UAE
Mortgage Calculator UAE
What could your mortgage look like?
No form first. Everything below is worked from what you enter, drawing on CredMe's published lender and product intelligence, the regulatory limits that apply, and standard Dubai transaction costs.
What is it for
Residency
How do you earn your income
Do you currently have another mortgage in the UAE?
The property
Minimum at your 80.00% financing band: 400,000 AED
Agent commission (optional)
For an eligible first ready home within the standard property-value band: UAE resident salaried applicants can finance up to 80% with a 20% down payment; UAE nationals up to 85% with 15%; non-residents up to 60% with 40%.
Existing mortgages, properties above AED 5 million, off-plan rules, lender limits and affordability can require a larger contribution. Your assessed figures above use the applicable policy.
Your income and commitments
Banks count 5% of the limit as a monthly commitment, whether you use it or not
You have no existing commitments on file, so all of your income is available to service a mortgage. Lenders cap the total at 50% once the new payment is included, and the full ratio is assessed from your application.
Assuming salaried · Dubai · ready property · 25-year term. These still shape the figures, they are assumptions, not omissions.
How the property is financed
1,600,000 AED
80% of value
400,000 AED
20% of value
80%
Within policy for your band
What you need on the day
The cash you need to complete is worked out from the estimate the calculator returns: your contribution, the registration and transfer fee, valuation and processing. It appears here as soon as that estimate resolves.
Where the money goes over the term
The balance you still owe and the interest you have paid are drawn from the repayment schedule, priced at the rate the engine actually used. The curve appears here once that rate resolves.
Your purchase
Your income and deposit suggest there may be a property range worth exploring.
Add a property price and your income, and we can show you what the payment would look like.
An affordable monthly payment is only half of it. Your full analysis checks the cash you need on the day, what your income actually supports, and what the purchase costs before telling you whether it works.
Your full analysis answers
- Can you afford this purchase?
- What will you need on the day?
- What does your income support?
- What would the monthly payment be?
- How does it compare with renting?
- What are the costs of buying?
Free. No credit check. Nothing goes to a bank.
Short answer
Two things decide what you can borrow in the UAE, and the lower of the two is your answer: what the property allows, and what your income supports after your existing debts.
This calculator works out both, tells you which one is holding you back, and prices it at a rate you could actually get. It is an estimate, not an approval.
What does this calculator work out?
The first limit comes from the property. A bank will only lend a share of what it is worth, and that share changes with your residency, whether the property is ready or off-plan, and whether it is your first.
The second comes from you: how much of your income can go towards debt once everything you already owe is counted.
Most calculators apply one of those and call it an answer. This one applies both and tells you which is binding. No credit check is run, nothing is sent to a bank, and the final lending decision always belongs to the bank.
What does it ask you for?
What you are doing
Buying, switching your mortgage, switching and taking cash out, or borrowing against a property you own outright. Each asks different questions and prices different things.
Residency and income type
UAE national, resident or non-resident, and whether you are on a salary or work for yourself. Both change how much you can borrow and how your income is read.
Salary or business income
Entered separately, not as one "income" box, because banks treat a salary and business income differently.
The property
Price, emirate, and whether it is ready, off-plan or being built. Each one changes how much a bank will lend against it.
Deposit and term
What you plan to put down, and over how many years. Put in less than the minimum and it tells you how far short you are, instead of quietly correcting your figure.
Your age
A mortgage has to finish by a certain age, so your age can shorten how long you are allowed to take.
What do the numbers mean?
Borrowing position
The most you could borrow, and more usefully, which of the two limits is producing that number.
Monthly repayment
What it would cost each month at the rate being used, over the number of years you chose.
Deposit required
The least you could put down, worked out from your situation and the property rather than a flat percentage.
Cash needed on the day
Listed out: deposit, transfer and registration costs, bank fees, valuation. Not a rough percentage.
The rate you are eligible for
The cheapest product you actually match on the bank panel. If nothing matches, it says so rather than showing a number.
Lenders that fit
Ranked by how well they fit you, then by total cost over your term, not by headline rate.
Two terms come up throughout. Loan-to-value, or LTV, is how much of the property’s value a bank will lend you; the rest is your deposit. Debt burden ratio, or DBR, is how much of your income can go towards debt payments, including the new mortgage. The regulatory ceiling for DBR is 50% of gross salary and regular income from a defined and specific source. A UAE mortgage can run for 25 years at most, and the maximum LTV changes with your residency, the value of the property and what type it is.
Those are maximums, not promises. The regulations set minimum standards, and banks may apply stricter limits of their own, which is why a calculated limit is a limit and not an offer. What UAE banks look at covers that in full, how LTV works covers the property side, and how DBR works covers the income side.
What happens if I change the rate?
The calculator starts from the cheapest product you are actually eligible for. You can replace it with a rate of your own to see how the payment moves, a higher rate raises the monthly figure, a lower one reduces it.
What it does not do is change your position. A rate you type in re-prices the monthly payment and nothing else: it does not change your eligibility, how much you can borrow, or which banks match you. That separation is deliberate. A rate you picked is a scenario, not an offer, and it should not be able to flatter the rest of the answer.
Nothing here predicts where rates will go. The calculator prices what is available now.
What is EIBOR, and does it change my payment?
EIBOR (the Emirates Interbank Offered Rate) is the benchmark UAE banks use to price variable mortgages. A variable rate is quoted as EIBOR plus the bank’s own margin: the margin is agreed in your offer and stays put, while the benchmark part moves with the market, so your payment resets as EIBOR does.
A fixed-rate mortgage ignores EIBOR until the fixed period ends. Most UAE fixed products then revert to a variable rate priced from it. So the benchmark eventually matters to nearly every mortgage: it is what decides what your payment becomes once the fixed years are over, and it is why two offers with the same headline rate can age very differently.
Nothing here predicts where the benchmark goes. CredMe publishes the latest EIBOR fixings on the homepage, and this calculator prices from the products actually published for your profile, never from an assumption about where the benchmark goes next. How EIBOR works on a UAE mortgage covers the benchmark itself, and UAE mortgage rates and EIBOR shows where pricing is starting from, with the date that data was published.
Which journey should I choose?
Buying asks what you can borrow and what cash you need on the day. Refinancing asks whether moving your existing mortgage is worth what moving costs. Refinancing with equity release adds cash on top of the balance you are paying off. And equity release is for a property you own with no mortgage on it today.
These are not the same calculation with different labels. Each asks for different things and gives a different answer, so pick the one that matches your situation before reading the figures.
The refinancing journey tells you what a switch would cost. Whether it is worth making at all is a different question, answered in the guide to refinancing a UAE mortgage.
What can’t a calculator tell you?
It can estimate your position, compare scenarios, and show how an assumption changes the result. That is genuinely useful before you speak to anyone.
It cannot approve you, make you an offer, or stand in for a bank’s own checks. It cannot commit any bank to a rate or a decision. Two people with identical figures can get different answers, because each bank applies its own policy to the file in front of it.
What you get is an initial assessment, not a lending decision, based on what you tell us. A CredMe Mortgage Consultant can go through your situation with you, pick up what the first pass missed, and refine it. The bank makes the final decision.
What happens next?
The figures here are anonymous and instant. To turn them into something you can act on, finishing the assessment produces a CredReport: where you stand, what it costs, which banks fit your file and why, and what would move you into a better band. How CredMe works sets out the whole path, and how we are paid sets out who pays CredMe and when.
How this page was produced
Written by CredMe Team
Based on CredMe's mortgage assessment methodology and verified regulatory sources
Last reviewed 16 August 2026
The regulatory figures above are drawn from the source below, read on the date shown. They are maximums set by regulation, not offers.
- CBUAE Rulebook: Regulations Regarding Mortgage Loans, Article (3): Important Ratios (C 31/2013, in force, consolidated 08/04/2020), last reviewed 2026-08-16
Figures are estimates based on the details you enter and current lender policy. They are not an offer of finance and not a lending decision. CredMe is not a bank and cannot approve or decline a mortgage. See our disclaimer.
Questions about the mortgage calculator
How much can I borrow for a mortgage in the UAE?
It depends on two limits, and the lower one decides it: what the property can carry under its loan-to-value band, and what your income supports once your existing commitments are counted. The calculator applies both and shows you the figure that actually binds, rather than the larger of the two.
How is my minimum down payment calculated?
From the loan-to-value band that applies to your profile and the property, not a fixed percentage. It moves with your residency and your income type, so a self-employed applicant assessed on limited documentation will see a higher minimum than a salaried resident on the same property. If you enter less than the minimum, the calculator tells you the shortfall rather than quietly raising your figure.
Can I put down more than the minimum?
Yes. Enter whatever you plan to put down and the calculator prices that, reducing the loan and the monthly payment accordingly. Your figure is used as entered.
Does the calculator work for self-employed applicants?
Yes, and it does not treat business income as salary. Self-employed profiles are assessed against their own policy, including the documentation tier that applies, which affects both the financing available and the minimum down payment.
Where does the rate come from?
From the lowest-priced product you are actually eligible for, checked against the same rules a full assessment uses, journey, residency, income type, the property, the loan amount and the lender panel. It is not a market average or a headline rate, and if nothing matches your profile the calculator says so instead of showing a number.
Can I use it to refinance an existing mortgage?
Yes. A rate-only switch is priced on the balance you are actually moving, not on the room left in the property, so what you see is the cost of refinancing what you owe. You can also release equity at the same time, and the calculator prices the balance plus the amount you ask for.
Can I use it for equity release?
Yes. Lenders differ sharply here, ceilings across the panel range from 80% of the property value down to 20%, several will not lend to non-residents at all, and some restrict what the money can be used for. The calculator asks what the funds are for and shows the maximum supported by lenders you actually qualify with, rather than a theoretical figure based on the property alone.
Is this a mortgage approval?
No. It is an estimate based on what you have entered, produced by the same decision engine that builds a full CredReport. Any lender will assess your documents before making an offer.
Figures are estimates based on the details you enter and current lender policy. They are not an offer or an approval.
Want to understand what decides those limits? What UAE lenders assess when they work out your eligibility.