Dubai Mortgage Affordability Calculator
Calculate your maximum mortgage amount, monthly payment, and total upfront costs based on UAE Central Bank regulations for 2026.
Your Financial Details
Loans, credit card minimums, car payments, etc.
Your Mortgage Capacity
Maximum Loan Amount
based on 50% DBR rule
Your existing obligations are too high. Reduce monthly debts by AED to qualify.
Total Upfront Costs
Based on a property priced at AED
Self-Employed?
Banks typically use 75% of declared income for self-employed applicants. Your effective income for mortgage qualification may be AED /month.
Salaried applicants with salary transfer to the lending bank typically get the best rates and highest LTV ratios.
Your numbers, confirmed
Get this rate confirmed by a broker
A vetted, DLD-registered broker compares 15+ banks against the figures above. Free — the bank pays them, not you.
Request received!
We'll connect you with a vetted mortgage broker shortly.
Want the next steps by email?
We'll send you a practical next-steps checklist for this exact scenario — free.
Something went wrong — please try again.
By submitting you agree to our Terms & Privacy Policy. No spam, unsubscribe anytime.
Done — check your inbox shortly!
Buying off-plan? Your payment is due at handover.
Track your building's official DLD completion status — we'll tell you when it's time to start this mortgage (pre-approvals only last ~60 days).
Calculations are based on UAE Central Bank regulations and average 2026 market rates. Actual mortgage terms depend on the bank, your credit history, and employment profile. This tool is for estimation purposes only.
Need a mortgage broker?
Read our broker comparison guide — bank rates, fees, red flags, and what to ask before signing.
How Dubai Mortgages Work
The UAE mortgage market is regulated by the Central Bank of the UAE, which sets the maximum Loan-to-Value (LTV) ratios and the Debt Burden Ratio (DBR) limit at 50%. This means your total monthly debt payments — including the proposed mortgage — cannot exceed 50% of your gross monthly income.
For UAE residents, the minimum down payment is 20% for properties priced under AED 5 million, and 30% for properties above this threshold. Non-residents face slightly higher requirements: 25% for properties under AED 5M and 35% for properties over AED 5M.
Interest rates in Dubai are typically variable, linked to the Emirates Interbank Offered Rate (EIBOR) plus a bank margin. As of 2026, rates average 4-5% for salaried residents. Fixed-rate options are available for the first 1-5 years, after which they convert to variable rates.
Beyond the mortgage itself, buyers should budget for significant upfront costs: a 4% DLD transfer fee, 2% agency commission, and various registration fees. Rental increases are governed by the official RERA Rental Index. Our calculator above estimates all these costs for you. For a complete guide to the buying process, see our Dubai mortgage guide and property buying guide.
Frequently Asked Questions
The UAE Central Bank limits total debt payments to 50% of gross monthly income (DBR rule). For properties under AED 5M, residents can borrow up to 80% of property value, non-residents up to 75%. For properties over AED 5M, limits drop to 70% and 65% respectively.
For UAE residents: 20% for properties under AED 5M, 30% for properties over AED 5M. For non-residents: 25% under AED 5M, 35% over AED 5M. Off-plan properties may have different requirements depending on the developer and stage of construction.
Upfront costs include: DLD transfer fee (4% + AED 580), agent fee (2%), mortgage registration (0.25% of loan + AED 290), valuation (AED 2,500-3,500), and bank processing (up to 1% of loan). Total: typically 7-8% of property price on top of the down payment.
Yes, several UAE banks offer mortgages to non-residents with stricter terms: 25-35% minimum down payment, potentially higher rates, and more stringent documentation. The property must be in a freehold area.
Related Tools
<iframe src="https://realestateclubdubai.com/embed/mortgage-calculator" width="100%" height="700" frameborder="0" style="border:1px solid #e3e8ee;border-radius:12px;max-width:600px" loading="lazy" title="Dubai Mortgage Calculator — Real Estate Club Dubai"></iframe>Ready to Get Pre-Approved?
Our mortgage advisors work with all major UAE banks to find you the best rate and terms.
Thank You!
We'll get back to you within 24 hours.