Calculator
Abu Dhabi Mortgage Calculator
Enter a property price, deposit, rate, and term to see the loan, the indicative monthly repayment, and the total interest over the life of the loan.
Indicative only, on a standard amortising formula. The UAE expat loan-to-value cap is around 80% for a first property under AED 5M, so a deposit below that share is flagged.
AED 6,670
Monthly repayment
AED 1.20M
Loan amount
AED 801K
Total interest
AED 2M
Total repaid
Your loan-to-value vs the indicative 80% expat cap
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Your inputs produce real arithmetic, but the result is an indicative repayment on the amount, rate, and term you enter, using a standard amortising formula. UAE loan-to-value caps and individual bank criteria vary, so this is not a mortgage offer or financial advice.
An Abu Dhabi mortgage calculator estimates your monthly repayment from the property price, your down payment, the interest rate and the term. On UAE Central Bank rules an expatriate typically needs at least a 20 per cent down payment on a first home valued up to AED 5 million, and total debt repayments must stay within 50 per cent of monthly income.
How the monthly repayment is worked out
The repayment is a standard amortising loan: the amount you borrow (price minus down payment), spread over the term at the interest rate, produces a fixed monthly figure that is mostly interest early on and mostly principal later. A higher rate or a shorter term raises the monthly payment; a larger down payment lowers the loan and therefore the payment.
UAE mortgage rates are usually either a fixed introductory rate for one to five years or a variable rate linked to EIBOR (the Emirates Interbank Offered Rate) plus a margin. Because the rate moves, model your repayment at a rate a little above today's headline offer so a later reset does not break your budget. Confirm the current rate and reset terms with the lender rather than relying on any single figure.
The Abu Dhabi rules that shape your number
Down payment (loan-to-value): under Central Bank rules an expatriate can usually borrow up to 80 per cent on a first completed home valued up to AED 5 million — so a 20 per cent deposit — falling to 70 per cent above AED 5 million, around 60 per cent on a second property, and commonly 50 per cent on off-plan. UAE nationals get slightly higher limits. Verify your bracket before you budget.
Debt burden ratio (DBR): your total monthly debt repayments — this mortgage plus any car loan, personal loan or card minimums — must not exceed 50 per cent of your gross monthly income. This is the ceiling that usually decides how much you can actually borrow, which is what the affordability calculator solves.
Term and age: mortgages run up to 25 years, and lenders cap the loan so it ends by a maximum age at maturity — commonly around 65 for salaried and 70 for self-employed borrowers, depending on the bank.
Costs on top of the deposit: budget an ADREC-style transfer and registration fee of roughly 2 per cent of the price, a mortgage registration fee, a valuation of around AED 2,500 to 3,500, and agency commission near 2 per cent — most of these carry 5 per cent VAT. These are paid in cash and are not part of the loan.
Frequently asked questions
How much deposit do I need to buy a home in Abu Dhabi?
As an expatriate, usually at least 20 per cent of the price for a first completed home valued up to AED 5 million, rising to about 30 per cent above AED 5 million and often 50 per cent for off-plan. UAE nationals get slightly higher loan-to-value limits. On top of the deposit, budget roughly 2 per cent registration, a mortgage registration fee, valuation and around 2 per cent agency commission, most carrying 5 per cent VAT.
What is the maximum mortgage term in the UAE?
Up to 25 years, but the loan must also end by a maximum age at maturity — commonly around 65 for salaried borrowers and 70 for the self-employed, depending on the lender. A longer term lowers the monthly payment but increases the total interest paid over the life of the loan.
How is my monthly mortgage payment calculated?
It is a standard amortising repayment: the loan amount (price minus deposit), the interest rate and the term combine into one fixed monthly figure. Early payments are mostly interest and later ones mostly principal. Raising the rate or shortening the term increases the monthly payment; a larger deposit reduces it.
Are UAE mortgage rates fixed or variable?
Both are offered. A fixed introductory rate holds for one to five years, then typically reverts to a variable rate; a variable rate is linked to EIBOR plus a bank margin and moves over time. Because a reset can raise your payment, it is prudent to test your budget at a rate slightly above the headline offer and confirm the reset terms with the lender.
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