Mortgage Calculator

UAE rates · DLD fees · life-of-loan · estimates only · not a finance offer

Property price (AED)

Is this your first home?

Property type

Interest rate (% APR)

Term (years)

Loan amount—

Down payment—

Total interest (life of loan)—

Total cost (loan + interest)—

Monthly: —

One-off costs at transfer (Sprint 7.1)

Dubai Land Department transfer (4%)—

DLD admin (knowledge + innovation)AED 580

Agency commission (2%)—

Mortgage registration (0.25%)—

Bank processing (1% of loan)—

NOC fee (typical)AED 1,500

Total one-off costs—

Total upfront cash: —

Down payment + all one-off costs combined.

Year 1 vs Year ${term} amortization split (Sprint 7.1)

Year 1: principal paid—

Year 1: interest paid—

Final year: principal paid—

Final year: interest paid—

As your loan ages, more of each payment goes to principal and less to interest — that's why mortgage payments feel like "rent" early on but build equity in later years.

Based on UAE Central Bank guidelines: first home ready=80% LTV, repeat=60%, off-plan capped at 50%. Mortgage registration is 0.25% of loan amount + AED 4,200 admin cap. Actual rates and terms depend on your lender and financial profile.