Free UAE Home Loan Calculator 2026 | Dubai Mortgage Calculator

Q: What is the monthly payment on AED 2 million property in Dubai?

On an AED 2,000,000 property with 20% down payment at 4.5% interest over 25 years, the monthly mortgage payment is approximately AED 8,845. Total interest over 25 years is approximately AED 1,053,500.

🇦🇪 UAE / Dubai Mortgage Calculator 2026

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📊 UAE Mortgage Payment Examples 2026

Based on 4.5% interest rate, 25-year term, 20% down payment (expat). Source: CBUAE 2026.

Property Price	Down Payment (20%)	Loan Amount	Monthly Payment	DLD Fee (4%)
AED 1,000,000	AED 200,000	AED 800,000	AED 4,423/mo	AED 40,580
AED 1,500,000	AED 300,000	AED 1,200,000	AED 6,634/mo	AED 60,580
AED 2,000,000	AED 400,000	AED 1,600,000	AED 8,845/mo	AED 80,580
AED 3,000,000	AED 600,000	AED 2,400,000	AED 13,267/mo	AED 120,580
AED 5,000,000	AED 1,500,000 (30%)	AED 3,500,000	AED 19,345/mo	AED 200,580

💡 UAE Minimum Down Payment Rules 2026 (CBUAE)

Buyer Type	Under AED 5M	AED 5M+
Expat / Non-UAE National	20% minimum	30% minimum
UAE National	15% minimum	25% minimum

🏠 Total Cost of Buying in UAE 2026 — AED 2M Property

Cost Item	Amount	Notes
Down Payment (20%)	AED 400,000	Upfront, cash
Dubai Land Dept Fee (4%)	AED 80,580	4% + AED 580
Mortgage Registration Fee	AED 4,000	0.25% of loan
Property Valuation Fee	AED 2,500–3,500	Bank requirement
Total Interest (25 yrs)	~AED 1,053,500	At 4.5% rate
TOTAL COST	~AED 3,540,000	Full purchase cost

💡 UAE Mortgage Tips 2026

Minimum Down Payment — UAE Rules

UAE Central Bank rules: Expats must put down minimum 20% for properties under AED 5M, 30% for properties AED 5M+. UAE nationals need 15% for properties under AED 5M. First-time buyers get slightly better terms.

Dubai Land Department Fee — 4%

Every Dubai property purchase attracts a 4% DLD registration fee (plus AED 580 admin fee). This is paid upfront and is not included in the mortgage. Budget for it separately — on a AED 2M property, it's AED 80,580.

Maximum Mortgage Age — 65/70

UAE banks typically require the mortgage to be fully repaid by age 65 (expats) or 70 (UAE nationals). This limits the loan term for older buyers — factor in your current age when choosing a term.

UAE Mortgage FAQs 2026

What is the minimum down payment for a UAE mortgage in 2026?

UAE Central Bank rules require expats to put down minimum 20% for properties under AED 5 million, and 30% for properties AED 5 million and above. UAE nationals need a minimum 15% down payment for properties under AED 5 million.

What is the Dubai Land Department fee?

The Dubai Land Department (DLD) charges a 4% registration fee plus AED 580 admin fee on every property purchase. On a AED 2 million property, this is AED 80,580 paid upfront, separate from your down payment.

What are current UAE mortgage rates in 2026?

UAE mortgage rates in 2026 range from approximately 4% to 5.5% per year for standard residential mortgages. Rates depend on the bank, your income, nationality, and whether the rate is fixed or variable.

Can expats get a mortgage in the UAE?

Yes, expats can get mortgages in the UAE from most major banks. Requirements include a minimum salary (typically AED 15,000-25,000 per month), employment history of 6-12 months, and a minimum 20% down payment.

What is the maximum mortgage term in the UAE?

UAE banks typically offer mortgage terms up to 25 years, with the loan required to be fully repaid by age 65 for expats or 70 for UAE nationals. This limits the available term for older buyers.

What is the monthly payment on AED 2 million property in Dubai?

On an AED 2,000,000 property with 20% down (AED 400,000), at 4.5% interest over 25 years, the monthly mortgage payment is approximately AED 8,845. Total interest over 25 years is approximately AED 1,053,500.