Mortgage Calculator Dubai – Estimate Your Monthly Home Loan Payments Instantly
Planning to buy a home or invest in real estate in Dubai? Use our free Mortgage Calculator to estimate your monthly loan repayments and total interest cost. Whether you’re applying for a conventional or Islamic home finance plan, our calculator helps you budget smarter before approaching banks. It supports all major UAE lenders including Emirates NBD, Mashreq, ADCB, ADIB, and more — ideal for expats and UAE nationals alike. Know your affordability in advance and make informed property decisions with confidence.
- ✔ Instantly estimate monthly mortgage payments for properties in Dubai
- ✔ Supports both Islamic (Murabaha, Ijarah) and conventional mortgages
- ✔ Calculate based on loan amount, interest/profit rate, and tenure
- ✔ Works for residential, investment, and off-plan property finance
- ✔ Helps you budget before applying to UAE banks
- ✔ No sign-up or personal information required
- ✔ Input property price, down payment, tenure, and interest/profit rate
- ✔ Auto-calculates monthly EMI and total loan cost
- ✔ Works for fixed-rate and reducing-balance mortgages
- ✔ Complies with UAE Central Bank mortgage cap rules (20% down payment)
- ✔ Designed for both expats and UAE nationals
- ✔ Instant results for home loan planning
- ✔ Need help choosing the right mortgage in Dubai?
- ✔ Our advisors compare options from ADCB, Emirates NBD, DIB, and more
- ✔ We explain fixed vs. variable rates, Islamic vs. conventional home finance
- ✔ Assistance with eligibility check, approval, and document process
- ✔ WhatsApp us at +971 50 406 5216 or email support@bestcardadvisor.com
- ✔ 100% free consultation with no hidden fees or obligations
1. What is a mortgage calculator?
A mortgage calculator estimates your monthly home loan payments based on property value, down payment, loan tenure, and interest rate.
2. Can expats apply for a mortgage in Dubai?
Yes, expats can apply for home finance from most UAE banks, subject to eligibility and minimum salary requirements.
3. What is the minimum down payment required?
Per UAE Central Bank rules, a minimum 20% down payment is required for expats, and 15% for UAE nationals.
4. Are Islamic mortgages supported?
Yes, you can calculate repayments for Murabaha (profit-based) and Ijarah (lease) Islamic mortgage structures.
5. Which banks offer the best mortgage rates in Dubai?
Banks like Emirates NBD, Mashreq, ADIB, RAKBANK, and DIB offer competitive fixed and variable rate options. Rates vary by profile and property type.
6. What interest rate should I use in the calculator?
Use an average of 3.5%–5% for initial estimates. Your actual rate may vary depending on the bank and your income.
7. Can I get pre-approval before choosing a property?
Yes, most UAE banks offer mortgage pre-approval valid for up to 60 days. We can assist with the pre-approval process.
8. Does the calculator include fees like DLD or processing?
This tool calculates loan repayments only. For full cost breakdown including DLD and bank fees, contact our team.
9. What’s the maximum loan term I can select?
Most UAE banks offer home loans with tenures ranging from 5 to 25 years, depending on age and profile.
10. Can I use the calculator for off-plan properties?
Yes, you can estimate payments for off-plan mortgage options too. Developer payment plans may vary — contact us for details.
