Mortgage Calculator Dubai
This calculator estimates your monthly mortgage repayment in Dubai from the loan amount, the interest rate and the term, and shows the total repaid and total interest over the life of the loan. Enter your monthly income and it also estimates the maximum loan you can afford under the 50% debt-burden ratio (DBR) that UAE lenders apply.
Mortgage & Affordability Calculator
Your monthly repayment depends on the loan, interest rate and term. In the UAE, banks
usually cap total repayments at about half your monthly income (a 50% debt-burden ratio). Enter your figures
for the monthly payment and the maximum loan you can afford.
How it's calculated
Monthly payment = loan times r divided by (1 minus (1 plus r) to the power of minus n), where r is the yearly rate divided by 12 and n is the number of monthly payments. Affordability caps repayments near 50% of your monthly income (the UAE debt-burden ratio). Example: 1,200,000 at 4.5% over 25 years gives r of 0.00375 and n of 300, about 6,670 dirhams a month.
Indicative only. Actual approval, rate and ratio depend on your bank.
How is a Dubai mortgage repayment calculated?
The monthly repayment is a standard amortisation of the loan over the term at the given rate: each payment covers the interest on the outstanding balance plus a slice of the principal, so early payments are mostly interest and later ones mostly principal. The calculator shows the payment, the total you will repay over the full term, and how much of that is interest, which is often larger than buyers expect on a long term.
How much can I borrow in Dubai?
UAE lenders cap total monthly debt at 50% of your income, the debt-burden ratio. That means all your commitments, including car loans and credit-card minimums, count toward the limit, not just the mortgage. Enter your income and the calculator estimates the maximum loan whose repayment fits inside that 50%, which is usually the real constraint on how much home you can buy, alongside the loan-to-value cap on the deposit.
Fixed or variable rate?
Dubai mortgages are commonly fixed for an initial period and then revert to a variable rate tied to a benchmark. The calculator uses a single rate, so run it at your initial rate to see the early payments, then run it again at a higher rate to stress-test what happens when the fixed period ends. Budgeting only for the introductory rate is how households get caught out.
What this does not include
Bank arrangement and processing fees, mandatory life and property insurance, and the DLD mortgage registration are separate from the repayment. Property service charges and maintenance are ongoing costs on top. Use the DLD and move-in calculators for the upfront cash, and this one for the monthly commitment.
Buying a home you plan to renovate? See full villa renovation to budget the work alongside the mortgage.
