Calculate Your Monthly Mortgage Payment
Planning to buy property in the UAE? Use our calculator to find out exactly how much your monthly mortgage repayments will be — in seconds.
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Rates are indicative and may change. Contact each bank directly for current rates and eligibility.
How Our Calculator Works
Plan your property purchase in four simple steps.
UAE Property Mortgage Calculator — Instant Monthly Repayment Estimates
Use our free property mortgage calculator to instantly estimate your monthly mortgage repayments in the UAE. Adjust the property price, down payment, interest rate, and loan duration to find the home-finance option that best fits your budget. Whether you are buying an apartment, villa, or off-plan property in Dubai, Abu Dhabi, or Sharjah, the CarsClub.ae mortgage calculator gives you instant clarity on affordability before you approach a bank.
Compare mortgage rates and terms from top UAE banks including Emirates NBD, ADCB, Dubai Islamic Bank, RAK Bank, and Emirates Islamic. Use the calculator to model different scenarios — adjust the property price, down payment percentage, interest rate, and loan duration to see exactly how much your monthly repayment will be.
How the Property Calculator Works
Enter the property price, the down payment you can afford (UAE banks require a minimum of 20% for first-time buyers), the interest rate, and your preferred loan duration in years. The calculator instantly shows your monthly repayment, the total interest you will pay over the life of the mortgage, and a visual breakdown of principal versus interest, so you can compare scenarios and make an informed decision.
Frequently Asked Questions
How much down payment do I need for a mortgage in the UAE?
UAE Central Bank rules require expatriate first-time buyers to pay a minimum 20% down payment on properties valued under AED 5 million (25% above that), while UAE nationals pay 15%. A larger down payment lowers your loan amount and monthly repayment.
What is the maximum mortgage term in the UAE?
Most UAE banks offer mortgage terms up to 25 years, subject to the borrower being no older than 65 (salaried) or 70 (self-employed) at the end of the term. Longer terms reduce the monthly repayment but increase the total interest paid.
What are typical UAE mortgage interest rates in 2026?
As of 2026, UAE mortgage rates typically range from about 3.9% to 5% depending on the bank, whether the rate is fixed or variable, and your profile. Use our calculator to compare rates and find the best option for your situation.