Mortgage Calculator UAE Dubai 2026: Home Loan Rates and Guide
March 2026 · 9 min read
Quick Answer
On an AED 1.5 million mortgage at 4.5% over 25 years your monthly payment is approximately AED 8,333. UAE home loans typically require a 20-25% down payment for expats and 15-20% for UAE nationals.
UAE Home Loan Monthly Payment Chart (AED)
Monthly payment estimates at 4.5% interest rate for common Dubai and UAE property values.
| Property Value | Expat Loan (75%) | Monthly Payment 20Y | Monthly Payment 25Y |
|---|---|---|---|
| AED 750,000 | AED 562,500 | AED 3,560 | AED 3,125 |
| AED 1,000,000 | AED 750,000 | AED 4,747 | AED 4,167 |
| AED 1,500,000 | AED 1,125,000 | AED 7,120 | AED 6,250 |
| AED 2,000,000 | AED 1,500,000 | AED 9,493 | AED 8,333 |
| AED 3,000,000 | AED 2,250,000 | AED 14,240 | AED 12,500 |
| AED 5,000,000 | AED 3,750,000 | AED 23,733 | AED 20,833 |
Full Cost of Buying Property in Dubai
Many buyers underestimate the total upfront costs of buying in Dubai beyond just the down payment.
| Cost | Amount | Notes |
|---|---|---|
| Down Payment (Expat) | 20-25% | Freehold properties |
| DLD Transfer Fee | 4% | Of purchase price |
| Mortgage Registration | 0.25% | Of loan amount |
| Agency Commission | 2% | If using an agent |
| Valuation Fee | AED 2,500-3,500 | Required by lender |
| Mortgage Arrangement Fee | 1% | Some lenders charge this |
| Total Upfront (est) | 27-32% | Of purchase price |
UAE Expat Savings Tips
The UAE has no income tax making it one of the best places in the world to build wealth. Take full advantage by maximising investments during your time here. Open a global brokerage account to invest in index funds, maximise savings in high-yield accounts available to UAE residents and consider remitting money home regularly to build assets in your home country. Many expats also benefit from their company's end of service gratuity payment which is a significant wealth-building tool.
Calculate Your UAE Home Loan Payment Free
Use our free mortgage calculator — select AED from the currency menu for accurate UAE calculations.
Calculate UAE Mortgage →Frequently Asked Questions
Can expats get a mortgage in UAE?
Yes. Expats can get mortgages in the UAE to buy freehold properties. Expats typically need a 20-25% down payment. You must have a valid UAE residence visa, stable employment and a clean credit history. Most banks require a minimum salary of AED 15,000-25,000 per month.
What are current UAE home loan interest rates 2026?
UAE home loan rates in 2026 range from approximately 3.9% to 5.5%. Variable rates linked to EIBOR are common. Fixed rate periods of 1-5 years are available. Emirates NBD, ADCB, Abu Dhabi Islamic Bank and ENBD are among the largest mortgage lenders.
What is the Dubai Land Department (DLD) transfer fee?
The DLD charges a 4% transfer fee on the property purchase price payable on registration. This is in addition to the mortgage registration fee of 0.25% of the loan amount. These costs must be budgeted separately from the down payment.
Is it better to rent or buy in Dubai in 2026?
Dubai's price-to-rent ratio currently sits around 18-22x making buying increasingly competitive with renting for those planning to stay 4+ years. Renting offers flexibility while buying builds equity and provides protection against rent increases.
What is the maximum mortgage term in UAE?
UAE mortgages can have terms of up to 25 years for expats and 25-30 years for UAE nationals. The loan must be fully repaid by age 65 for expats (70 for UAE nationals and self-employed).