Mortgage calculator: Plan your home financing
800,000 AED
4,113 AED
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Frequently asked questions about our mortgage calculator
How is a mortgage loan calculated?
A mortgage loan is calculated by taking the total Property Value and subtracting your Down Payment to determine the total Loan Amount. Your monthly payment is then calculated using the principal loan amount, loan duration (up to 25 years), and applicable interest rates over a compound monthly installment formula.
How do banks calculate mortgages?
Banks in the UAE evaluate your eligibility based on your Residency Status (UAE Resident, UAE National, or Non-Resident), monthly income, and existing debt obligations (Debt-to-Burden Ratio). They apply current market interest rates to the approved loan balance over your chosen repayment tenure to finalize your fixed or variable monthly installments.
What is the interest rate for a home loan in the UAE?
Interest rates in the UAE generally range from 3.75% to 5.5% per annum, depending on the lender, loan type (fixed vs. variable), and your financial profile. Residents often qualify for competitive rates with lower minimum down payment requirements compared to non-resident applicants.