Dubai Mortgage Repayment Calculator
Know your loan amount? See your exact monthly repayment, the total interest you'll pay, and a full year-by-year amortization schedule — based on 2026 UAE rates.
Your Loan Details
The amount you're borrowing — property price minus your down payment.
Max term is typically 25 years (and must usually end by age 65 for salaried, 70 for self-employed).
Your Repayment
Monthly Payment
| Year | Principal | Interest | Balance |
|---|---|---|---|
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Figures assume a constant interest rate for the full term and are for estimation only. Most Dubai mortgages are fixed for 1–5 years, then track EIBOR plus a bank margin, so your payment after the fixed period may change. Actual terms depend on the bank, your profile, and the property.
Want a lower rate than the one above?
Read our broker comparison guide — bank rates, fees, red flags, and what to ask before you sign.
How Mortgage Repayments Work in Dubai
A Dubai mortgage is repaid on an amortizing basis: you pay the same amount every month, but the split between interest and principal changes over time. In the early years most of each payment is interest on the outstanding balance; as the balance falls, more of each payment goes to principal — which is why overpaying early saves the most.
This calculator assumes you already know your loan amount. If you don't, start with our Mortgage Affordability Calculator, which works out how much you can borrow from your income under the UAE Central Bank's 50% Debt Burden Ratio rule. Then come back here to see the monthly repayment on that amount.
Two levers control your total interest: the rate and the term. Even a 0.25–0.5% lower rate — the kind an independent broker can often negotiate, especially with a salary transfer — compounds into a large saving over 25 years. Shortening the term raises the monthly payment but cuts total interest sharply. The UAE Central Bank also caps early settlement fees at 1% of the outstanding balance or AED 10,000 (whichever is lower), so partial overpayments are an effective way to pay down faster. For the full picture, see our Dubai mortgage guide.
Frequently Asked Questions
Dubai mortgages use the standard amortization formula: each payment covers the interest due on the outstanding balance plus a slice of principal, fixed across the term at a given rate. Early on, most of the payment is interest; later, most is principal.
It depends on rate and term. As a guide, a 25-year loan at 4.5% costs roughly AED 0.67 in interest per AED 1 borrowed. A 20-year term, or annual overpayments, can save a six-figure sum on a typical Dubai mortgage.
Yes — capped by the UAE Central Bank at 1% of the outstanding balance or AED 10,000, whichever is lower. Within that cap, overpaying reduces principal and saves interest.
Most Dubai mortgages are fixed for 1–5 years, then revert to a variable rate linked to EIBOR plus a bank margin. A broker can compare fixed periods, margins, and reversion rates across banks to find the lowest lifetime cost.
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