Mortgage calculator in Dubai

Monthly payment, full cost of entering the deal, and a comparison of mortgage vs. developer payment plan — in a single calculation.

Free consultation and pre-approval. Response within 15 minutes

Minimum income 15,000 AED / mo
Age from 21, loan repaid by 65
Bank financing up to 80%
AED
from 300,000 to 20,000,000
%
from 20 to 80
years
from 1 to 25
%
from 2,5 to 8
6 073 AED
Monthly payment
Loan 960 000
Down payment 240 000
Interest paid 497 624
Principal — 66%
Interest over term — 34%

Preliminary estimate. The final rate depends on the bank, your profile, and the property.

Full cost of mortgage entry

Down payment 240,000 AED
DLD fee (4% + 580 AED) 48,580 AED
Agency commission (2%) 24,000 AED
Bank fee (up to 1% of loan) 9,600 AED
Property valuation 3,150 AED
Mortgage registration (0.25% + 290 AED) 2,690 AED
Total 328,020 AED

The deal in 6 steps

1
Pre-approval Preliminary approval from the bank
2
MOU (Form F) Sales contract signing, ~10% deposit
3
Bank valuation Property valuation inspection
4
Final approval Final mortgage offer & facility letter
5
DLD registration Registration of ownership and mortgage
6
Funds transfer & keys Disbursement of funds and key handover
4–8 weeks from MOU to keys · full process 30–100 days

Objects that match your criteria

All properties All properties
Ready Property image

AED 1,676,000

Fashionz 2BR Apartment in Jumeirah Village Triangle (JVT) — Move-In Ready Value

DANUBE “Fashionz”
2 Beds 2 Beds
2 Baths 2 Baths
1070 sqft 1070 sqft
Ready Property image

AED 5,100,000

Creek Palace Residences 3BR Townhouse in Dubai Creek Harbour — Corner Unit, Vacant

EMAAR “Creek Palace Residences”
3 Beds 3 Beds
4 Baths 4 Baths
1923 sqft 1923 sqft
Ready Property image

AED 5,300,000

Unit #1068895 Simplex

ELLINGTON “Ellington Beach House”
1 Beds 1 Beds
1136 sqft 1136 sqft

Mortgage on an off-plan property

An off-plan mortgage becomes available once the building is more than 50% complete, the buyer has paid over 50% of the price, and the developer is accredited by the bank.

Before that stage, buyers use the developer’s payment plan.

Learn more
Emaar
Dubai Properties
Nakheel
Majid Al Futtaim
Sobha
Aldar
Ellington Properties
Wasl
Damac
Omniyat
Binghatti

Why DDA

LTV / AECB / DBR Expertise

In-house mortgage advisory department

Direct Negotiations with Banks

Tailored terms based on your profile

Free of Charge

Free consultation and pre-approval

RU / EN / AR

Response within 15 minutes

We Work with Non-Residents

Full end-to-end support for purchases from abroad

Islamic Financing

Murabaha · Ijarah · Musharakah → separate page

Questions and answers

Yes. Non-residents can get a mortgage with a down payment from 40% and verified income from 10,000 USD per month.

Yes, UAE banks require life insurance as a mandatory condition for securing a mortgage loan.

Yes, mortgages are available for completed as well as off-plan projects from authorized developers with up to 50% financing.

The entire process typically takes between 30 and 100 days from the initial application to the key handover and deed registration.

Pre-approval is an initial assessment from a bank confirming the loan amount you qualify for. It is usually valid for 60 to 90 days.

Additional costs include the DLD fee (4% + 580 AED), agency commission (2%), bank processing fee (up to 1%), property valuation, and mortgage registration.

Ready to find out the exact terms for your deal?

Free consultation and pre-approval. A DDA specialist will contact you and advise on the next step.

🇦🇪 +971 56 680 9684
Plan full

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