Mortgage Calculator (UAE & Saudi Arabia)
Enter the price, down payment, rate and term to see your monthly payment, total interest, the cash you need on day one and roughly what salary banks will want.
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Minimum for this case: 20%
Maximum used: 25 years
UAE: up to 80% financing for expats and 85% for nationals on a first home under AED 5M, terms up to 25 years. Saudi Arabia: up to 90% for a citizen's first home, 70% for a second. Dubai fees: 4% DLD transfer fee and 0.25% mortgage registration, plus valuation and agency fees. Banks apply their own criteria on top.
Monthly payment
6,670 AED
1,200,000 AED loan over 25 years
| Year | Principal paid | Interest paid | Balance left |
|---|---|---|---|
| 1 | 26,584 AED | 53,456 AED | 1,173,416 AED |
| 2 | 54,389 AED | 105,691 AED | 1,145,611 AED |
| 3 | 83,471 AED | 156,649 AED | 1,116,529 AED |
| 4 | 113,889 AED | 206,270 AED | 1,086,111 AED |
| 5 | 145,705 AED | 254,494 AED | 1,054,295 AED |
| 6 | 178,983 AED | 301,257 AED | 1,021,017 AED |
| 7 | 213,789 AED | 346,490 AED | 986,211 AED |
| 8 | 250,194 AED | 390,125 AED | 949,806 AED |
| 9 | 288,271 AED | 432,087 AED | 911,729 AED |
| 10 | 328,098 AED | 472,301 AED | 871,902 AED |
| 11 | 369,755 AED | 510,684 AED | 830,245 AED |
| 12 | 413,325 AED | 547,154 AED | 786,675 AED |
| 13 | 458,897 AED | 581,622 AED | 741,103 AED |
| 14 | 506,562 AED | 613,996 AED | 693,438 AED |
| 15 | 556,417 AED | 644,181 AED | 643,583 AED |
| 16 | 608,563 AED | 672,075 AED | 591,437 AED |
| 17 | 663,104 AED | 697,574 AED | 536,896 AED |
| 18 | 720,150 AED | 720,568 AED | 479,850 AED |
| 19 | 779,817 AED | 740,940 AED | 420,183 AED |
| 20 | 842,226 AED | 758,572 AED | 357,774 AED |
| 21 | 907,501 AED | 773,336 AED | 292,499 AED |
| 22 | 975,775 AED | 785,102 AED | 224,225 AED |
| 23 | 1,047,186 AED | 793,731 AED | 152,814 AED |
| 24 | 1,121,877 AED | 799,080 AED | 78,123 AED |
| 25 | 1,200,000 AED | 800,997 AED | 0 AED |
How it works
Lending limits
UAE: up to 80% loan-to-value for expats and 85% for nationals on a first home under AED 5M (lower above that), with terms up to 25 years. Saudi Arabia: up to 90% for a citizen's first home and 70% for a second home.
How it's calculated
Mortgages are calculated on a reducing balance: payment = loan × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), where r is the monthly rate and n the number of months.
Frequently asked questions
What is the minimum down payment for expats in the UAE?
20% for a first home under AED 5 million and 30% above that. Second homes and off-plan properties need more.
What fees do I pay when buying in Dubai?
The Dubai Land Department fee of 4% of the price, mortgage registration of 0.25% of the loan, plus valuation, agency and admin fees.
How much salary do I need?
UAE rules cap total debt repayments at 50% of salary, so as a rough guide your salary should be at least twice the monthly payment plus any other loans.