UAE Property Finance Tool
Estimate a Dubai or UAE home-loan payment, check the current CBUAE maximum loan-to-value limit for your buyer category and see the minimum down payment implied by that limit.
Estimate payment and check the applicable CBUAE maximum loan-to-value limit.
Entered down payment meets the maximum LTV test used by this calculator.
This is not a mortgage approval. Banks still assess income, existing debts, credit profile, valuation and internal policy.
Monthly payment
AED 6,670
Loan used
AED 1,200,000
Maximum LTV
80%
Minimum down payment: 20%
Total interest / profit estimate
AED 800,997
Over 25 years at the entered rate.
Entered down payment
AED 300,000
Requested loan
AED 1,200,000
Maximum loan by LTV
AED 1,200,000
DLD mortgage registration
AED 3,000
0.25% of mortgage value; other DLD/service fees are separate.
How it works
The monthly estimate uses an amortising-loan formula. Property price minus down payment gives the requested loan, then the calculator caps that amount at the CBUAE maximum LTV for the selected category before estimating monthly payment.
Monthly payment formula
Payment = P × [r(1+r)^n] ÷ [(1+r)^n - 1]
P is the loan principal, r is the monthly rate and n is the number of monthly payments.
Important limits
The CBUAE rulebook sets regulatory maximums, but a lender can approve less. Banks also assess affordability, income, existing liabilities, credit history, age, property valuation and their own lending policy.
The same rulebook states a maximum mortgage term of 25 years and a maximum debt-burden ratio of 50% under the cited mortgage-loan regulations. Use the calculator as a planning estimate, not as an approval or offer.
Transaction cost
Dubai Land Department currently lists a mortgage-registration fee of 0.25% of the mortgage value. It also lists additional title and service-related charges. The calculator shows the 0.25% amount separately so it is not confused with interest, down payment or the monthly instalment.
Official sources
Frequently asked questions
Under the current CBUAE mortgage-loan rules, the maximum LTV for an expatriate first home is 80% when the property value is AED 5 million or below and 70% when the value is above AED 5 million.
The current CBUAE maximum LTV is 85% for a UAE national first home valued at AED 5 million or below and 75% when the property value is above AED 5 million.
The current CBUAE maximum is 65% for UAE nationals and 60% for expatriates for a second, subsequent or investment property, regardless of property value.
The CBUAE mortgage-loan rules state a maximum mortgage term of 25 years. A bank can offer a shorter term based on its own lending policy and the borrower profile.
The calculator uses the standard amortising-loan formula based on the loan principal, annual interest or profit rate and number of monthly payments. The entered rate is an assumption, not a live bank quote.
It shows 0.25% of the mortgage value as the DLD mortgage-registration fee. Other title, trustee, service-partner, valuation, insurance, bank and transaction charges are separate and can depend on the case.
Last reviewed: 20 September 2026. This calculator is an informational planning tool and does not provide a bank offer, finance approval or financial advice.
