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Your details
Estimated monthly repayment
AED 6,327
Illustrative only — not an offer of finance. Actual rates depend on your profile and lender.
Standard UAE amortisation: monthly payment = loan × monthly rate ÷ (1 − (1 + monthly rate)⁻ⁿ). Adjust any figure and every result updates instantly.
Your purchase
Residency status
Property status
This will be your
Maximum loan-to-value
80%
Based on UAE Central Bank lending caps. Off-plan purchases are capped at 50% LTV for every buyer; the down payment must come from your own funds, not a borrowed source. Indicative only.
UAE Central Bank caps loan-to-value by residency, property status and whether it's your first mortgaged property — off-plan is capped at 50% for every buyer, regardless of price.
Your finances
Estimated borrowing power
AED 2,465,461
Based on the UAE Central Bank 50% debt burden cap and typical 80% LTV. Indicative only — lenders apply their own criteria.
Uses the UAE Central Bank's 50% Debt Burden Ratio cap — the maximum share of gross income that can go toward all debt repayments, mortgage included.
Your profile
Residency
Property
Estimated max loan
AED 1,440,000
Indicative pre-qualification only, not a credit decision or offer of finance. Final approval always depends on the lender’s full underwriting and credit check.
Cross-checks your income-based borrowing capacity against the property's loan-to-value cap, and flags whether your target purchase and down payment are within reach today.
Fees & stamp duty guide
The upfront costs, itemised.
The UAE has no stamp duty in the UK sense — these are the transfer and registration costs to budget for (typically ~6–7% of the property value in total).
| Cost item | Typical amount |
|---|---|
| Dubai Land Department (DLD) transfer fee | 4% of property value + AED 580 admin |
| Mortgage registration (DLD) | 0.25% of loan amount + AED 290 |
| Bank arrangement fee | Typically 0.5% – 1% of loan |
| Property valuation | AED 2,500 – 3,500 |
| Broker / agency fee (resale) | Typically 2% + VAT |
| Trustee office fee | AED 2,100 – 4,200 |
Indicative, for guidance only. Exact fees depend on the emirate, lender and transaction type.
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