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Tools · Mortgage

What a Dubai mortgage costs you

Your monthly payment, the most a bank can lend, and the cash you need on the day you buy.

You are
This is
The property is

Monthly payment

·

Loan amount
·
Most a bank can lend
·
Down payment
·
DLD transfer fee (4%)
·
Mortgage registration (0.25% + AED 290)
·
Bank processing (up to 1%)
·
Valuation
AED 2,500 to 3,500
Trustee office fee (incl. VAT)
·
Cash needed on the day
·

Indicative only. Banks decide the final terms, rate and fees. Off-plan loans are capped at 50% of the price and most banks lend only near handover.

The rules banks work to

Expatriate, first home up to AED 5M
80% loan
Expatriate, first home above AED 5M
70% loan
UAE national, first home up to AED 5M
85% loan
UAE national, first home above AED 5M
75% loan
Second property and after
60% expatriate · 65% national
Off-plan property
50% loan
Longest term
25 years

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