UAE mortgage calculator

Abu Dhabi mortgage calculator

Calculate monthly payments, total costs, and upfront fees for UAE property mortgages.

Property Price (AED)

Down Payment (%)ⓘ

Interest Rate (%)

Term (Years)

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 October 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

Published FAB Mortgage Options

Advertised lender options with eligibility conditions · Source: FAB published mortgage options; ADCB published EIBOR

FAB

New mortgage customers: 1–3 years fixed with salary transfer and FAB credit card; without salary transfer 4.24%. Checked 4 Oct 2026.

From 3.99%

EIBOR rates: 1M 4.0858% · 3M 4.3183% · 6M 4.6015% · 1Y 5.0926% (as of 2026-10-02)