Dubai Mortgage Calculator
Calculate your monthly EMI, total interest, amortization schedule and affordability for any Dubai home loan. Includes LTV caps under UAE Central Bank regulations and the full closing-cost breakdown.
Your Loan Details
UAE Central Bank requires total monthly debt payments to stay under 50% of gross monthly income.
10-Year Amortization Summary
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|
Monthly Payment (EMI)
—
Total Interest Paid
—
Total Repayment
—
Loan Breakdown
- Property Price
- AED 0
- Down Payment
- AED 0
- Loan Amount
- AED 0
Affordability Check
0.0%
Debt-to-Income Ratio (DBR)
✓ Within UAE Central Bank 50% DBR limit
Dubai Mortgage Basics 2026
Current Rates
Prime borrowers see 4.25–5.75% fixed rates for 3-year terms. Variable rates follow EIBOR + 1.25–2.5% margin.
LTV Caps
Residents: 80% on first home under AED 5M, 65–70% above. Non-residents: up to 60% LTV.
Max Term
Up to 25 years. Mortgage must fully amortize before age 70 (salaried) or 65 (self-employed).
Frequently Asked Questions
What are Dubai mortgage rates in 2026?
4.25–5.75% for prime borrowers on 3-year fixed terms. Variable rates follow EIBOR + 1.25–2.5% margin depending on profile and LTV.
What's the maximum LTV in Dubai?
Residents: 80% LTV on first-home purchases under AED 5M, 65–70% on larger values. Non-residents: up to 60% LTV.
Can non-residents get a Dubai mortgage?
Yes. Several UAE banks lend to non-residents at 50–60% LTV, typically at a 0.5–1% rate premium over resident rates.
What's the typical mortgage term in Dubai?
15–25 years. The Central Bank caps terms at 25 years and requires full amortization by retirement age.
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