Dubai Mortgage Calculator
Updated on 20 Oct 2026 · Checked by Aotob
You repay about AED 8,893 a month.
That is for an AED 2,000,000 home in Dubai with 20% down at 4.5% over 25 years. On top of the down payment you need about AED 147,070 in fees, so AED 547,070 in cash in total. The most a bank can lend you here is 80% of the price.
Monthly repayment
AED 8,893/month
Your debt payments would be 22.2% of income, under the 50% limit.
Show the working
Loan = 2,000,000 × 80% = 1,600,000 repayment at 4.5% over 25 years = 8,893.32
DLD = 2,000,000 × 4% + 580 = 80,580 mortgage registration = 0.25% + 290 = 4,290 trustee = 4,200
Agent = 2% + VAT = 42,000 bank fee = 1% = 16,000
Upfront costs
| Cost | Amount |
|---|---|
| Down payment | 400,000 |
| DLD transfer fee (4%) and title deed | 80,580 |
| Mortgage registration | 4,290 |
| Trustee office | 4,200 |
| Agent commission (2% + VAT) | 42,000 |
| Bank arrangement fee (up to 1%) | 16,000 |
| Total cash | 547,070 |
Questions people ask
How much deposit do I need in the UAE?
For a first home up to AED 5 million, expatriates usually need at least 20% and UAE nationals 15%. Above AED 5 million it is 30% and 25%, and second homes need more. Banks can ask for more than these minimums.
What fees do I pay when buying in Dubai?
On an AED 2,000,000 home with an AED 1,600,000 loan, expect about AED 80,580 DLD transfer fee and title deed, AED 4,290 mortgage registration, AED 4,200 trustee fee and AED 42,000 agent commission, plus up to AED 16,000 in bank fees.
How much can I borrow on my salary?
Banks keep all your monthly debt payments, including the new mortgage, at or below 50% of your gross monthly income, and the loan term at 25 years or less.
Updated 20 Oct 2026Source: Central Bank of the UAE mortgage limits and Dubai Land Department feesChecked by AotobAn estimate, not financial adviceReport an issue