2026 UAE Mortgage Calculator | Smart Home Loan Tool

UAE Mortgage Calculator

Estimate your monthly mortgage payments in full compliance with Central Bank of the UAE regulations (Circular No. 31/2013 as amended by Resolution No. 31/2/2020). Includes LTV caps, DBR limits, tenure rules, and estimated fees.

CBUAE Compliant • Circular No. 31/2013 • Resolution No. 31/2/2020

Mortgage Details

Enter your property and financing details below
Expatriate — First Property ▼
UAE National — First Property
UAE National — Second/Investment
Expatriate — First Property
Expatriate — Second/Investment
Off-Plan (All Categories)
Enter your mortgage details
and click Calculate
UAE Mortgage Calculator

How the UAE Mortgage Calculator Works

Our UAE Mortgage Calculator gives you a clear picture of your potential monthly payments, total interest, and upfront costs. It factors in Central Bank regulations – LTV, DBR, tenure caps, and financing multiples – to provide a realistic estimate for your home loan. Whether you're a first-time buyer or an investor, this Dubai Mortgage Calculator helps you plan with confidence.

Key inputs include: property price, buyer category, down payment, interest rate, loan tenure, and monthly income. The tool automatically applies CBUAE rules and even includes estimated fees (DLD transfer, mortgage registration, valuation) to give you the full financial picture.

  • CBUAE compliant – LTV caps, DBR 50% limit, max 25 years.
  • Real‑time results – see monthly payment, total interest, and total cost.
  • Fee estimator – includes DLD 4%, mortgage reg 0.25%, and admin costs.

For official regulations, refer to the Central Bank of the UAE and the Dubai Land Department. Our UAE Home Loan Calculator is built on these authoritative sources.

LTV & DBR Ready

Automatically applies CBUAE Loan‑to‑Value and Debt Burden Ratio rules.

Total Cost Breakdown

See monthly payment, total interest, and all upfront fees included.

For All Buyer Types

Supports nationals, expats, first‑time, investment, and off‑plan buyers.

Plan Your Finances

Use with our Salary Calculator and VAT Calculator for a full financial overview.

Key CBUAE Mortgage Regulations

🇦🇪 Nationals — First
≤ AED 5M: 85% LTV
> AED 5M: 75% LTV
Art. 3.2, Circular 31/2013
🌍 Expats — First
≤ AED 5M: 80% LTV
> AED 5M: 70% LTV
Art. 3.2, Circular 31/2013
🏢 Second / Investment
Nationals: 65% LTV
Expats: 60% LTV
Art. 3.2, Circular 31/2013
🏗️ Off-Plan
50% LTV (all categories)
Art. 3.2, Circular 31/2013
📊 Debt Burden Ratio
Max 50% of gross income
Art. 3.1, Circular 31/2013
⏳ Max Loan Tenure
25 years
Art. 3.3, Circular 31/2013
💰 Max Financing
Nationals: 8× annual income
Expats: 7× annual income
Art. 3.4, Circular 31/2013
📋 Registration Fee
0.25% of loan + AED 290
DLD / Land Department

CBUAE Compliant

Fully aligned with Central Bank Circular No. 31/2013 and Resolution No. 31/2/2020.

Works Everywhere

Responsive design — use it on desktop, tablet, or mobile with ease.

No Data Stored

All calculations are done locally in your browser. Your data stays private.

⚖️ Important Legal Disclaimer:

This Mortgage Calculator is provided for informational and estimation purposes only and does not constitute financial or legal advice. The calculations are based on the provisions of Central Bank of the UAE Circular No. 31/2013 on Regulations Regarding Mortgage Loans, as amended by Board of Directors' Resolution No. 31/2/2020, and are interpreted in good faith.

Actual mortgage eligibility, interest rates, fees, and terms may vary significantly based on the lender, the borrower's financial profile, property type, and prevailing market conditions. Users are strongly advised to consult with a qualified mortgage advisor or licensed financial institution for precise calculations and formal pre-approval before making any property purchase decisions.

UAE Finance Tools is not liable for any financial decisions or losses made based on the results shown.
Based on CBUAE Circular No. 31/2013 • Resolution No. 31/2/2020 • DLD fee structure
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