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UAE Mortgage Calculator

Calculate your UAE mortgage payments, compare loan options, and determine what you can afford in the UAE

Loan Details
Enter your mortgage information to get accurate calculations

‏300,000 د.إ.‏

20.0% of home price (‏60,000 د.إ.‏)

Additional Costs
Monthly expenses beyond mortgage

‏3,000 د.إ.‏

‏1,200 د.إ.‏

Required if down payment < 20% (‏0 د.إ.‏)

‏0 د.إ.‏

Extra Payments
Pay off your mortgage faster

Monthly Payment

‏1,517 د.إ.‏

Principal & Interest

Total Monthly

‏1,867 د.إ.‏

Including all costs

Total Interest

‏306,107 د.إ.‏

Over life of loan

Total Cost

‏546,107 د.إ.‏

Principal + Interest

Payment Breakdown

Total Cost

‏546,107 د.إ.‏
Over 30 years

Principal

‏240,000 د.إ.‏
43.9% of total

Interest

‏306,107 د.إ.‏
56.1% of total

Payment Breakdown

Principal43.9%
‏240,000 د.إ.‏
Interest56.1%
‏306,107 د.إ.‏
Interest vs Principal Ratio
You'll pay 56% in interest
That's ‏66,107 د.إ.‏ more than the original loan amount
Amortization Schedule
See how your loan balance decreases over time
YearPaymentPrincipalInterestBalance
1‏1,517 د.إ.‏‏217 د.إ.‏‏1,300 د.إ.‏‏239,783 د.إ.‏
1‏1,517 د.إ.‏‏230 د.إ.‏‏1,287 د.إ.‏‏237,317 د.إ.‏
2‏1,517 د.إ.‏‏246 د.إ.‏‏1,271 د.إ.‏‏234,455 د.إ.‏
3‏1,517 د.إ.‏‏262 د.إ.‏‏1,255 د.إ.‏‏231,401 د.إ.‏
4‏1,517 د.إ.‏‏280 د.إ.‏‏1,237 د.إ.‏‏228,143 د.إ.‏
5‏1,517 د.إ.‏‏298 د.إ.‏‏1,219 د.إ.‏‏224,666 د.إ.‏
6‏1,517 د.إ.‏‏318 د.إ.‏‏1,199 د.إ.‏‏220,957 د.إ.‏
7‏1,517 د.إ.‏‏340 د.إ.‏‏1,177 د.إ.‏‏216,999 د.إ.‏
8‏1,517 د.إ.‏‏362 د.إ.‏‏1,155 د.إ.‏‏212,776 د.إ.‏
9‏1,517 د.إ.‏‏387 د.إ.‏‏1,130 د.إ.‏‏208,270 د.إ.‏
10‏1,517 د.إ.‏‏413 د.إ.‏‏1,104 د.إ.‏‏203,463 د.إ.‏
11‏1,517 د.إ.‏‏440 د.إ.‏‏1,077 د.إ.‏‏198,333 د.إ.‏
12‏1,517 د.إ.‏‏470 د.إ.‏‏1,047 د.إ.‏‏192,860 د.إ.‏
13‏1,517 د.إ.‏‏501 د.إ.‏‏1,016 د.إ.‏‏187,021 د.إ.‏
14‏1,517 د.إ.‏‏535 د.إ.‏‏982 د.إ.‏‏180,790 د.إ.‏
15‏1,517 د.إ.‏‏571 د.إ.‏‏946 د.إ.‏‏174,142 د.إ.‏
16‏1,517 د.إ.‏‏609 د.إ.‏‏908 د.إ.‏‏167,049 د.إ.‏
17‏1,517 د.إ.‏‏650 د.إ.‏‏867 د.إ.‏‏159,481 د.إ.‏
18‏1,517 د.إ.‏‏693 د.إ.‏‏824 د.إ.‏‏151,405 د.إ.‏
19‏1,517 د.إ.‏‏740 د.إ.‏‏777 د.إ.‏‏142,790 د.إ.‏
20‏1,517 د.إ.‏‏789 د.إ.‏‏728 د.إ.‏‏133,597 د.إ.‏
21‏1,517 د.إ.‏‏842 د.إ.‏‏675 د.إ.‏‏123,788 د.إ.‏
22‏1,517 د.إ.‏‏898 د.إ.‏‏619 د.إ.‏‏113,323 د.إ.‏
23‏1,517 د.إ.‏‏958 د.إ.‏‏559 د.إ.‏‏102,156 د.إ.‏
24‏1,517 د.إ.‏‏1,023 د.إ.‏‏494 د.إ.‏‏90,242 د.إ.‏
25‏1,517 د.إ.‏‏1,091 د.إ.‏‏426 د.إ.‏‏77,530 د.إ.‏
26‏1,517 د.إ.‏‏1,164 د.إ.‏‏353 د.إ.‏‏63,967 د.إ.‏
27‏1,517 د.إ.‏‏1,242 د.إ.‏‏275 د.إ.‏‏49,495 د.إ.‏
28‏1,517 د.إ.‏‏1,325 د.إ.‏‏192 د.إ.‏‏34,054 د.إ.‏
29‏1,517 د.إ.‏‏1,414 د.إ.‏‏103 د.إ.‏‏17,579 د.إ.‏
30‏1,517 د.إ.‏‏1,509 د.إ.‏‏8 د.إ.‏‏0 د.إ.‏

Uae Mortgage Calculator Guide

Our comprehensive UAE mortgage calculator is designed specifically for the UAE housing market. Whether you're buying your first home in Dubai, Abu Dhabi, Sharjah, or anywhere across the UAE, our calculator accounts for UAE-specific factors like registration fees, property transfer tax, and Islamic financing options.

UAE Mortgage Features

Islamic Finance:Calculate Sharia-compliant home financing and Murabaha options.
First-Time Buyer:Calculate special rates and benefits for first-time home buyers.
Fixed & Variable Rates:Support for fixed and variable rate mortgages up to 25 years.
Registration Fees:Automatic property registration and transfer fee calculations.
Mortgage Insurance:Calculate mortgage insurance for down payments under 20%.
Property Insurance:Calculate property and fire insurance premiums by emirate.

Uae Mortgage Market Overview

The UAE mortgage market offers various loan types including conventional and Islamic financing options. Current mortgage rates vary by lender, credit score, and loan type, typically ranging from 3-6% depending on the financing type. Our calculator helps you understand the true cost of homeownership including registration fees, property transfer tax, and insurance to make informed decisions about your home purchase across all UAE emirates.