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Dubai Real Estate Data

Dubai mortgage calculator

A quick estimate of the monthly payment on a Dubai property, with an interest rate you choose, and how your loan compares with the Central Bank's public loan-to-value limits. Start from the median price of a ready apartment in any area, or enter your own price. This site shows no bank rates or offers and recommends no lender.

Fills in the median price of a ready apartment sold there in the last 12 months.

For example 1,500,000 or 1.5m.

Your own annual rate. This site shows no bank rates.

Used only to compare your loan with the Central Bank's public limit.

Everything is calculated in your browser. Nothing you type is sent anywhere or stored.

Estimate

Enter a price, a down payment, an interest rate and a term to see the estimate.

Information only. This is not a loan offer, a pre-approval or financial advice, and it names no lender. Banks set their own rates, fees and limits; purchase fees (DLD transfer and registration) are not included in this estimate.

How the estimate works

The monthly payment is a fixed-rate annuity: the loan (price minus down payment) repaid in equal monthly instalments over the term at the rate you enter. Real mortgages in the UAE often start with a fixed period and then follow a variable rate, so treat the figure as an order of magnitude, not a quote.

The loan-to-value check compares your loan with the maximum the Central Bank of the UAE allows for your buyer profile (Regulations Regarding Mortgage Loans, C 31/2013): for a first home, the limit is lower above AED 5 million, and off-plan property is capped at 50% for every buyer. At exactly AED 5 million the published texts of the regulation differ, so the calculator applies the stricter limit. The maximum term is 25 years (CBUAE, Regulations Regarding Mortgage Loans (C 31/2013), Article 3). These are limits for lenders, not offers: banks measure the ratio against their own valuation of the property and often set stricter terms. The limits were last checked against the Central Bank's rulebook on 17 Oct 2026; a limit that has not been re-checked for 180 days is no longer shown.

Not included: DLD transfer and mortgage registration fees, agency and valuation fees, insurance, and service charges. The area prices are the median price of ready apartments sold over the last 12 months, from registered DLD sales; a typical value, not a valuation of any property.