Calculate your Dubai mortgage payment, eligibility, and total interest. UAE bank rates from 3.99% (Feb 2026), up to 80% LTV for residents, 60% for non-residents. Free, instant.
UAE residents can borrow up to 80% of the property value (75% above AED 5M). Non-residents are capped at 50–60%. Banks require your monthly debt-to-income ratio to stay under 50%. As of February 2026, fixed mortgage rates start at 3.99% for a 3-year fix; variable rates start at 4.49%. Tenure can stretch to 25 years or age 65, whichever comes first.
Defaults: AED 1.5M property, 25% down (resident), 4.49% rate, 25-year tenure. Adjust any field.
Indicative only. Actual UAE bank rates vary by employer, salary transfer, residency status, and credit score. Pre-approval typically takes 5–10 business days. Contact AqarSouq Concierge for a tailored quote.
Property price (AED), down payment %, mortgage rate (default 4.49%), tenure (5–25 years), and residency status (resident/non-resident). The tool returns monthly EMI, total interest paid, amortisation schedule, and pre-approval estimate based on your income (optional input).
Banks underwrite to three rules: (1) LTV cap by residency, (2) DTI ≤ 50% of monthly income, (3) employment stability (typically 6+ months with current employer for residents, 2+ years for non-residents). Income from rental on other Dubai properties counts at 70%; offshore income counts at 80% subject to documentation.
