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UAE Mortgage Calculator

Property & Loan
AED
Down Payment
%
= AED 375,000 cash required
Loan Amount
AED 1.13M
Rate & Term
Interest Rate
%
Loan Term
UAE Mortgage Rules

Expats: min 20% down (under AED 5M), 35% above AED 5M. Max 25-year term. Resident employment minimum 6 months.

Total Upfront — Dubai
Down PaymentAED 375,000
DLD Transfer Fee (4%)AED 60K
Agent Commission (2%)AED 30K
Mortgage Registration (0.25%)AED 3K
Trustee FeeAED 4K
Valuation FeeAED 3K
Total Cash RequiredAED 475K
First Year — Monthly Breakdown
MonthPaymentPrincipalInterestBalance
1AED 6,253AED 2,034AED 4,219AED 1,122,966
2AED 6,253AED 2,042AED 4,211AED 1,120,924
3AED 6,253AED 2,050AED 4,203AED 1,118,874
4AED 6,253AED 2,057AED 4,196AED 1,116,817
5AED 6,253AED 2,065AED 4,188AED 1,114,752
6AED 6,253AED 2,073AED 4,180AED 1,112,679
7AED 6,253AED 2,081AED 4,173AED 1,110,598
8AED 6,253AED 2,088AED 4,165AED 1,108,510
9AED 6,253AED 2,096AED 4,157AED 1,106,414
10AED 6,253AED 2,104AED 4,149AED 1,104,310
11AED 6,253AED 2,112AED 4,141AED 1,102,198
12AED 6,253AED 2,120AED 4,133AED 1,100,078
Monthly Payment
AED 6,253
per month for 25 years
Loan Summary
Loan AmountAED 1.13M
Monthly PaymentAED 6,253
Total RepaidAED 1.88M
Total InterestAED 751K
Affordability Guide

Minimum gross monthly income recommended: AED 12,506
(based on 50% debt-to-income ratio — UAE standard)

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