UAE mortgage calculator
Abu Dhabi mortgage calculator
Calculate monthly payments, total costs, and upfront fees for UAE property mortgages.
Monthly Payment
AED 7,008
per month for 25 years
Loan amount
AED 1,200,000
Down payment
AED 300,000
Total interest
AED 902,427
Total repayment
AED 2,102,427
Total Upfront Costs
Down payment (20%)AED 300,000
ADREC transfer fee (4%)AED 60,000
Mortgage registration (0.25%)AED 3,000
Agency fee (2%)AED 30,000
Valuation feeAED 3,500
Total cash neededAED 396,500
Rates as of August 2026 from UAE Central Bank data. Actual rates vary by bank, applicant profile, and property. This calculator is for estimation only — consult a mortgage advisor for accurate quotes. Islamic finance (Ijarah) structures may differ.
UAE Mortgage Rules
Max LTV (Expat, 1st property)80%
20% minimum down payment
Max LTV (Expat, 2nd+ property)60%
40% minimum down payment
Max LTV (UAE National, 1st)85%
15% minimum down payment
Maximum term25 years
Must finish before age 65 (employed)
ADREC transfer fee4%
Paid to Abu Dhabi Real Estate Centre
Minimum salaryAED 15,000/mo
Most banks require this minimum
Max debt ratio (DSR)50%
Total debt payments vs income
Mortgage registration0.25%
Of loan amount, paid to ADREC