Calculators
Mortgage calculator
The first calculator shows how much a bank may lend on your income. The second works out the payment and the full amount you need upfront, fee by fee.
Not sure which scenario fits? Try the navigator →01
How much can I borrow
AED
Verifiable gross income
years
AED
Banks count 5% of the limit as a monthly payment, even if the card is unused
AED
Monthly total: car, personal, other mortgages
%
The rate is indicative; you can change it.
Maximum loan
3 691 821 AED
- Indicative property price
- 4 614 776 AED
- Loan-to-value (LTV)
- 80%
- Tenor
- 25 years
- Payment
- 20 000 AED per month
This is an estimate. Final terms are set by the bank after reviewing your documents.
Talk it through02
Payment and upfront costs
AED
%
standard rules: 80%
years
years
%
The rate is indicative; you can change it.
Monthly payment
8 668 AED
- Loan amount
- 1 600 000 AED
- Cash needed upfront
- 550 790 AED
Breakdown
- Down payment
- 400 000 AED
- DLD fee, 4% of priceDLD lists 2% seller + 2% buyer; the contract decides who pays. To be safe, this estimate puts all 4% on the buyer
- 80 000 AED
- DLD fees: title deed etc.AED 250 title deed + 250 (villas and apartments) + 10 + 10, per DLD
- 520 AED
- Mortgage registration, 0.25% + 270
- 4 270 AED
- Trustee office
- 4 000 AED
- VAT on trustee fee
- 200 AED
- ValuationUsually AED 2 500–3 500
- 3 000 AED
- Bank arrangement feeUsually 0–1% of the loan
- 16 000 AED
- VAT on bank fee
- 800 AED
- Agency feeOff-plan: 0; resale up to AED 1,000,000: AED 21,000 incl. VAT; above: 2% + VAT
- 42 000 AED
This is an estimate. Final terms are set by the bank after reviewing your documents.
Talk it through