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Mortgage Calculator Dubai, UAE

Calculate your mortgage

Property Value:

Down Payment:

Interest Rate:

Loan Period:

Processing Fee:

Things to check before getting a home loan in Dubai

  • Understand interest rates and pick the right one.
  • Apart from loan amount and interest rates, compare fees & charges like arrangement fees, early settlement fees, etc.
  • Get pre-approval before making down payment.
  • Don’t put all the savings on the down payment.
  • Make sure you have enough money for additional costs like registration fees, land department fees, etc.
  • Don’t skip home insurance.
  • Use a home loan calculator and calculate your approximate monthly installments.

How to check your affordability for a house in Dubai?

  • Check whether you can afford 20%-25% of the property value as down payment.
  • Check do you have enough funds to bear additional expenses.
  • Check your DBR. It should be less than 40%.
  • Check do you have a good credit score, that should be above 700.

Tips for first-time home buyers in Dubai

  • Make sure you can afford 20%-25% down payment.
  • Banks don’t provide loan for additional fees.
  • Save for processing fees.
  • Don’t get a house for more than what you afford.
  • Check the interest rates properly.
  • Get pre-approval before the property hunt.

Why you should calculate your home mortgage?

In the UAE, the maximum tenure provided for a home mortgage is 25 years. To make payments for so long planning in prior is necessary. This clearly explains why it is important to calculate the home mortgage before getting it.

  • Get approximate monthly costs.
  • Plan monthly expenses beforehand.
  • Know how much downpayment is required.
  • Understand how long it will take to repay the loan.
  • Compare different home loan products interest rates.

Minimum Salary

Interest Rate

Loan Amount

Reducing Rate

Select Bank

Min Salary

Interest/Profit Rate

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CLEAR

Flat Rate

1.92%

Minimum Salary

AED 15K

Reducing Rate

3.49%

Max Loan Amount

AED 18000K

Early Settlement Fee

1%

Arrangement Fee

1%

Advantages

  • Free debit card
  • Free cheque book
  • Avail pre approval on low charges

Features

  • A single account is provided for the mortgage payments that can be used as a current account
  • The interest rate will not be constant. It will be reduced depending on the monthly deposits
  • Both UAE Nationals and Expats can avail Home in One loan

Features

  • A single account is provided for the mortgage payments that can be used as a current account
  • The interest rate will not be constant. It will be reduced depending on the monthly deposits
  • Both UAE Nationals and Expats can avail Home in One loan
  • Quick and hassle-free documentation
  • Minimum salary of AED 15000 is required
  • Fixed rate of 1.92% is charged for the Home in One loan
  • The loan is provided for an interest rate of 3.49% on reducing rate basis
  • Salary transfer is not mandatory
  • Finance is provided on the maximum tenure of 25 years
  • Processing fees of 1% are applicable
  • Maximum finance of AED 18000000 is provided bbhh
  • For Expats down payment of 25% is required and for UAE Nationals down payment of 20% is required
  • 1% of the loan amount is charged as early settlement fees
  • Interest rates are based on EIBOR
  • Maintain a single account for current account and mortgage payments, Make higher monthly deposits to reduce interest rates and loan tenure, Can get approval in-principle details without any additional charges , Get a free debit card and checkbook to access the current account , Can use Home in One loan to buy out the existing loan at other banks , Joint account holders can avail Home in One loan, Avail Internet and Mobile banking facilities to check payments flow

View details on bank page

Flat Rate

2.2%

Minimum Salary

AED 10K

Reducing Rate

3.99%

Max Loan Amount

AED 15000K

Early Settlement Fee

1%

Arrangement Fee

1%

Advantages

  • Get pre-approved facility
  • Low insurance charges
  • High finance

Features

  • Home Finance is provided at a fixed interest rate of 2.2%
  • Minimum salary of AED 10000 is required
  • Home Finance is provided on a reducing interest rate of 3.99%

Features

  • Approval In principle is provided
  • Minimum salary of AED 10000 is required
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Home Finance is provided on a reducing interest rate of 3.99%
  • Salary transfer to Emirates NBD account is not required
  • The loan is provided for a maximum tenure of 25 years
  • Both life insurance and property insurance is mandatory
  • 1% of the total loan amount is charged as processing fees
  • Maximum loan amount provided is AED 15000000
  • 20% of the property value should be paid as the down payment
  • 1% of outstanding loan amount is charged on early settlement
  • High finance is provided , Low down payment requirement , Low rates on property insurance and life insurance , Can know the approved loan amount in prior , Salary transfer is not mandatory , Hassle free documentation

View details on bank page

Flat Rate

2.2%

Minimum Salary

AED 20K

Reducing Rate

3.99%

Max Loan Amount

AED 15000K

Early Settlement Fee

1%

Arrangement Fee

1%

  • Minimum salary of AED 20000 is required
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Home Finance is provided on a reducing interest rate of 3.99%
  • You are required to transfer your income to Emirates NBD for this finance.
  • The loan is provided for a maximum tenure of 25 years
  • Both life insurance and property insurance is mandatory
  • 1% of the total loan amount is charged as processing fees
  • Maximum loan amount provided is AED 15000000
  • 20% of the property value should be paid as the down payment
  • 1% of outstanding loan amount is charged on early settlement
  • High finance is provided , Self-employed individuals are eligible , Low down payment requirement , Low rates on property insurance and life insurance , Can know the approved loan amount details in prior , Very quick loan approval

View details on bank page

Flat Rate

2.2%

Minimum Salary

AED 20K

Reducing Rate

3.99%

Max Loan Amount

AED 15000K

Early Settlement Fee

1%

Arrangement Fee

1%

Features

  • For salaried people between 21 and 65 years of age are eligible to apply for this scheme
  • For self-employed people between 21 and 70 years of age(at loan maturity) are eligible to apply for this scheme
  • For the salaried individual minimum length of service of 6 months is required and for self-employed individual minimum work experience of 3 years in business

Features

  • For salaried people between 21 and 65 years of age are eligible to apply for this scheme
  • For self-employed people between 21 and 70 years of age(at loan maturity) are eligible to apply for this scheme
  • For the salaried individual minimum length of service of 6 months is required and for self-employed individual minimum work experience of 3 years in business
  • For salaried individuals 3 months bank statement is required and for self-employed individuals, original 12 months company and personal bank statement is required to be submitted
  • Minimum salary of AED 20,000 is required
  • Provides financing at an interest rate of 3.99%
  • The reduction rate and the flat rate is 3.99% and 2.2%. This denotes that the computation done was a division of the reduction rate by 1.813.
  • Finance up to AED 15,000,000
  • Required to put 20% down payment for this finance
  • Early settlement fee is 1% of the outstanding loan amount
  • Refinance your ready property to get easy access to liquidity , Can invest in under construction property , You get repayment period up to 25 years, You get to repay up to 15% of your Outstanding loan every year without paying any additional charges or fees , You get dedicated Staff to assist you further, 0% processing fee on Buyouts

View details on bank page

Flat Rate

4%

Minimum Salary

AED 15K

Reducing Rate

7.25%

Max Loan Amount

AED 10000K

Early Settlement Fee

1%

Arrangement Fee

1%

Advantages

  • Salary transfer is not mandatory
  • Get pre approval
  • Can avail buyout facility

Features

  • Home Finance is provided at a fixed interest rate of 4%
  • Minimum salary of AED 15000 is required
  • Home Finance is provided on a reducing interest rate of 7.25%

Features

  • Follows Islamic banking principles
  • Minimum salary of AED 15000 is required
  • Home Finance is provided at a fixed interest rate of 4%
  • Home Finance is provided on a reducing interest rate of 7.25%
  • Salary transfer is optional
  • Maximum loan amount provided is AED 250,000
  • 1% of the total loan amount is charged as processing fees
  • The loan is provided for a maximum tenure of 25 years
  • 20% of the property value should be paid as the down payment
  • Provides loan for both commercial and residential properties 1% of outstanding loan amount is charged on early settlement
  • Follows Islamic banking laws , No salary transfer is required , Low-profit rates, Can get pre-approval details , Provides loan for commercial properties also, Buyout loan facility is available , Quick and hassle free documentation

View details on bank page

Flat Rate

2.2%

Minimum Salary

AED 20K

Reducing Rate

3.99%

Max Loan Amount

AED 10000K

Early Settlement Fee

1%

Arrangement Fee

1%

Features

  • Ready Villas or apartments registrable with Lands department
  • Age limit to apply for the loan for UAE Nationals between 21 and 65 years of age (at the time of loan maturity) and for Expats between 21 and 60 years of age (at the time of loan maturity)
  • For the salaried individual minimum length of service of 6 months is required and for the self-employed individual Minimum length of 3 years in business

Features

  • Ready Villas or apartments registrable with Lands department
  • Age limit to apply for the loan for UAE Nationals between 21 and 65 years of age (at the time of loan maturity) and for Expats between 21 and 60 years of age (at the time of loan maturity)
  • For the salaried individual minimum length of service of 6 months is required and for the self-employed individual Minimum length of 3 years in business
  • For salaried individuals 3 months bank statement is required and for self-employed individuals, original 12 months company and personal bank statement is required to be submitted
  • Minimum salary of AED 20,000 is required
  • The mortgage loan is provided at an interest rate of 3.99%
  • The reduction rate is 3.99%
  • It is not mandatory to transfer your salary
  • It is mandatory to have Life and Property Insurance before applying for this finance
  • Finance up to AED 10,000,000
  • Required to put 25% down payment for this finance
  • The early settlement fee is 1% of the outstanding amount to date
  • The reduction rate and the flat rate is 3.99% and 2.2%. This denotes that the computation done was a division of the reduction rate by 1.813.
  • Loan available to both salaried and self-employed individuals, Finance for ready villas and apartments, Finance repayment period of up to 20 years for expats, Deferment facility - Max 2 times a year without any additional profit, Competitive profit rates, 0% processing fees on buyouts, Release cash against your fully paid property.

View details on bank page

Flat Rate

3.85%

Minimum Salary

AED 15K

Reducing Rate

6.99%

Max Loan Amount

AED 5500K

Early Settlement Fee

2%

Arrangement Fee

1%

Advantages

  • Property insurance is not mandatory
  • Salary transfer is not compulsory
  • Free credit card

Features

  • Home Finance is provided at a fixed interest rate of 3.85%
  • Minimum salary of AED 15000 is required
  • Home Finance is provided on a reducing interest rate of 6.99%

Features

  • Expats from Jordan, Palestine, and Lebanon are eligible
  • Minimum salary of AED 15000 is required
  • Home Finance is provided at a fixed interest rate of 3.85%
  • Home Finance is provided on a reducing interest rate of 6.99%
  • Salary transfer to Arab Bank account is not required
  • Maximum loan amount provided is USD 500,000
  • Getting your property insured is not mandatory
  • 1% of the total loan amount is charged as processing fees
  • The loan is provided for a maximum tenure of 20 years
  • 25% of the property value should be paid as the down payment
  • 2% of outstanding loan amount is charged on early settlement
  • Provides good customer assistance , Salary transfer is optional , Provides finance to purchase a property in Jordan, Palestine, and Lebanon , Complimentary Credit Card is provided , Quick processing , Competitive insurance rates

View details on bank page

Flat Rate

2.06%

Minimum Salary

AED 10K

Reducing Rate

3.75%

Max Loan Amount

AED 20000K

Early Settlement Fee

1%

Arrangement Fee

0%

Advantages

  • Salary transfer is not mandatory
  • High benefits on salary transfer
  • Low/no partial settlement fees

Features

  • Both salaried and self-employed individuals are eligible
  • Minimum turnover of AED 2 Million is required for self-employed individuals
  • Minimum age of 21 yrs is required

Features

  • Both salaried and self-employed individuals are eligible
  • Minimum turnover of AED 2 Million is required for self-employed individuals
  • Minimum age of 21 yrs is required
  • Additional earnings must be verified
  • Minimum length of service of 3 months(UAE Nationals) and 6 months(Expats) is required, salaried individuals
  • Follows takaful laws
  • Minimum salary of AED 10000 is required for salaried individuals
  • The finance is provided at a flat rate of 2.06%
  • The finance is provided at a reducing rate of 3.75%
  • Salary transfer is not required. But additional benefits are provided on the salary transfer
  • Maximum tenure of 25 years is provided
  • Insurance is provided
  • 0% processing fees
  • Maximum finance of AED 20000000 is provided
  • Down payment of 20% of the property value is required
  • The early settlement fees are 1% of the approved loan amount
  • Additionals benefits like ADIB Priority status, finance for additional costs are provided , Can add a joint account holder , Buyout loan facility is available , A grace period of 6 months is provided for salaried individuals , No processing fees

View details on bank page

Flat Rate

1.78%

Minimum Salary

AED 15K

Reducing Rate

3.25%

Max Loan Amount

AED 18000K

Early Settlement Fee

1%

Arrangement Fee

1%

Features

  • Provides high loan amount
  • Both UAE Nationals and Expats are eligible
  • Life and Property Insurance is mandatory

Features

  • Provides high loan amount
  • Both UAE Nationals and Expats are eligible
  • Life and Property Insurance is mandatory
  • Minimum salary of AED 15000 is required
  • Fixed rate of the RAKBank Mortgage loan is 1.78%
  • RAK Bank mortgage loan is provided at an interest rate of 3.25% on reducing basis
  • Salary transfer is not mandatory
  • Maximum tenure the loan is provided for is 25 years
  • The processing fee is 1% of the loan amount
  • Maximum finance of AED 18000000 is provided
  • Down payment of 20% is required for UAE Nationals
    Down payment of 25% is required for Expats
  • 1% of the loan amount is charged as early settlement fees
  • The interest rates depends on EIBOR
  • Provides proper guidance before opting for a particular home loan, No additional charges are added for providing approval in-principle of loan, High finance is provided , Quick approval and hassle-free documentation, Low interest rates, Flexible payback options , Salary transfer is not mandatory , Provides life insurance and property insurance at competitive rates

View details on bank page

Flat Rate

1.79%

Minimum Salary

AED 20K

Reducing Rate

3.29%

Max Loan Amount

AED 10000K

Early Settlement Fee

1%

Arrangement Fee

0.8%

Advantages

  • Avail buyout loan facility
  • Low processing fees on salary transfer
  • Salary transfer is optional

Features

  • Home Finance is provided at a fixed interest rate of 1.79%
  • Minimum salary of AED 20000 is required
  • Home Finance is provided on a reducing interest rate of 3.29%

Features

  • Follows both conventional and Islamic banking principles
  • Both self-employed and salaried expats are eligible
  • Minimum salary of AED 20000 is required
  • Home Finance is provided at a fixed interest rate of 1.79%
  • Home Finance is provided on a reducing interest rate of 3.29%
  • Salary transfer to United Arab Bank account is optional
  • Maximum loan amount provided is AED 10000000
  • Life and property insurance is required
  • 1% of the total loan amount is charged as processing fees
  • The loan is provided for a maximum tenure of 25 years
  • 20% of the property value should be paid as the down payment
  • 1% of outstanding loan amount is charged on early settlement
  • Low-interest rates , Salary transfer is not mandatory but provides additional benefits for transferring your salary , Low processing fees on salary transfer , Can avail buyout loan facility , Competitive insurance rates, Quick processing of loan

View details on bank page