EIBOR rates as of 22 July 2026: Overnight 3.43%, 1 Week 3.60%, 1 Month 3.78%, 3 Months 3.80%, 6 Months 3.89%, 1 Year 4.15%. Source: Central Bank of the UAE.
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Type your numbers. See both your intro and variable payment.

Enter your residency status, property value, and loan structure exactly as you're planning it. Figures format with commas automatically. See what you'd pay during the fixed intro period, and what it rolls onto afterwards, side by side.

UAE National, LTV up to 85%
UAE Resident, LTV up to 80%
Non-Resident, LTV up to 65%
LTV caps and rate ranges reviewed July 2026 against published UAE Central Bank mortgage regulations and current market data. These are indicative starting points for properties valued at AED 5 million or below. Individual bank policy, property value band, and your specific profile can move both the LTV cap and the rate you're offered. This calculator does not automatically update when regulations or bank rates change.

Calculator

AED
Enter a property value between AED 300,000 and AED 50,000,000.
AED
Loan value can't exceed the LTV cap for this residency status.
%
Max LTV for this residency status is 85%.
Max LTV for UAE National: 85% (properties ≤ AED 5M)
%
Enter a rate between 1% and 9%.
%
Enter a rate between 2% and 10%.
mo
Enter a duration between 1 and 300 months.
yrs
Enter a duration between 0.08 and 25 years.
Fixed Rate Tenor Repayment
AED 4,458.50
at fixed rate 3.94% for 24 months
Variable Rate Tenor Repayment
AED 5,476.56
at variable rate 6% for 276 months
Disclaimer: This is not a finance approval & all calculations are approximate. Subject to Central Bank UAE mortgage/LTV regulations. Subject to product offerings/criteria by banks.

How this estimate is built

Each figure above is the standard level monthly payment for this loan amount over your full loan term: one calculated at the intro rate, one at the variable rate, so you can compare what each rate structure would cost you per month. It is not a blended or re-amortized figure across the two phases.

  • Figures exclude DLD transfer fees (typically 4% of property value), valuation fees, and bank processing charges.
  • LTV caps shown are indicative for properties valued at AED 5 million or below; higher-value properties and off-plan purchases carry different caps.
  • Non-Resident lending is a bank policy product: LTV, rate, and minimum income requirements vary more by lender than for residents or nationals.
Check your affordability

DBR Calculator

Before you commit to a loan amount above, it's worth checking your Debt Burden Ratio (DBR), the share of your income that's already tied up in debt repayments. UAE banks cap this at 50% of gross income, so knowing where you stand helps you judge how realistic the mortgage above actually is for your file.

DBR Calculator

Monthly total income AED 0 (AED/Month)
Monthly Total Debt AED 0 (AED/Month)
Your DBR Ratio 0%

Good to know: your DBR isn't permanent, it's calculated from your current income and current debts, and it changes whenever either does.

5% of your total credit card limit is counted as debt here, in line with standard UAE bank practice. The UAE Central Bank caps DBR at 50% of gross income (CBUAE Rulebook, Article 3), though banks may also stress-test your file against a higher interest rate and weigh your specific circumstances before final approval.

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