Mortgage Calculator United Arab Emirates 🇦🇪
A AED 2,000,000 mortgage at 4.5% over a 25-year term for a UAE resident works out to a monthly payment of about AED 11,117, with total interest of AED 1,334,995 over the full term.
Mortgage Calculator
Mortgages in United Arab Emirates
Market overview
UAE mortgages are split into UAE national and expat segments, with different LTV caps and rate access. Major lenders include Emirates NBD, Mashreq, ADCB, FAB, and HSBC. Most rates are tied to EIBOR (Emirates Interbank Offered Rate) with 1-5 year fixed options. Post-2024 rate cuts brought 3-year fixed rates to 4-5% for prime borrowers.
Why 4.5% is the typical rate
4.5% is typical for a 3-year fixed mortgage at 75% LTV for a UAE resident expat with stable salary income. UAE nationals and Golden Visa holders may access slightly better rates.
Tax & regulatory notes
No income tax, no mortgage interest deduction (none needed). Dubai Land Department fee is 4% of property value. Loan-to-Value capped at 80% for UAE nationals (first property under AED 5M), 75% for expats. Mortgage registration fee is 0.25% of loan amount.
A AED 2,000,000 mortgage at 4.5% over a 25-year term for a UAE resident
AED 2,000,000 4.5% 25 years (300 months) AED 11,117 AED 1,334,995 AED 3,334,995