🇦🇪 UAE / Dubai Mortgage Calculator 2026
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💡 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 80,000.
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.