REIN Investment · AUREL1A Residence

Mortgage calculator

What you can borrow, what it costs monthly, and what cash you need on day one — for residents and non-residents.

Property price (AED)

Residency status

Property status

This is my first property in the UAE

Gross monthly income (AED)

Existing monthly debt payments (AED)

Term (years)

Interest rate (%)

Deposit (AED)

Auto-set to the minimum; increase it if you want to borrow less.

Age (optional)

Employment

Maximum borrowing

AED 853,667

The LTV cap binds: banks can lend at most 50% of the price under the off-plan-during-construction ceiling. Your income could support more.

Deposit required

AED 853,667

Monthly repayment

AED 4,625

Total paid over 25 years

AED 1,387,392

of which interest AED 533,725

Total upfront cash

AED 972,148 – AED 975,148

DepositAED 853,667
DLD transfer fee (4% + admin)AED 68,873
Mortgage registration (0.25% + admin)AED 2,424
Bank arrangement feeAED 8,537
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 34,147

Plus life and property insurance, estimated AED 4,268/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 30%AED 512,200
During construction · 34%AED 580,494
Upon Handover · 36%AED 614,640

At handover — the mortgage starts

Banks finance up to 50% at handover for your profile; the developer instalments before handover come from your own funds.

If the bank values the unit at (% of purchase price)

At a 95% valuation the loan shrinks to AED 810,984 — you bring AED 42,683 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	853,667	3,023	1,601	852,066
2	852,066	3,018	1,607	850,459
3	850,459	3,012	1,613	848,846
4	848,846	3,006	1,618	847,228
5	847,228	3,001	1,624	845,604
6	845,604	2,995	1,630	843,974
7	843,974	2,989	1,636	842,339
8	842,339	2,983	1,641	840,697
9	840,697	2,977	1,647	839,050
10	839,050	2,972	1,653	837,397
11	837,397	2,966	1,659	835,738
12	835,738	2,960	1,665	834,073
13	834,073	2,954	1,671	832,403
14	832,403	2,948	1,677	830,726
15	830,726	2,942	1,682	829,044
16	829,044	2,936	1,688	827,355
17	827,355	2,930	1,694	825,661
18	825,661	2,924	1,700	823,960
19	823,960	2,918	1,706	822,254
20	822,254	2,912	1,712	820,542
21	820,542	2,906	1,719	818,823
22	818,823	2,900	1,725	817,098
23	817,098	2,894	1,731	815,368
24	815,368	2,888	1,737	813,631
25	813,631	2,882	1,743	811,888
26	811,888	2,875	1,749	810,138
27	810,138	2,869	1,755	808,383
28	808,383	2,863	1,762	806,621
29	806,621	2,857	1,768	804,854
30	804,854	2,851	1,774	803,080
31	803,080	2,844	1,780	801,299
32	801,299	2,838	1,787	799,512
33	799,512	2,832	1,793	797,719
34	797,719	2,825	1,799	795,920
35	795,920	2,819	1,806	794,114
36	794,114	2,812	1,812	792,302
37	792,302	2,806	1,819	790,484
38	790,484	2,800	1,825	788,658
39	788,658	2,793	1,831	786,827
40	786,827	2,787	1,838	784,989
41	784,989	2,780	1,844	783,145
42	783,145	2,774	1,851	781,294
43	781,294	2,767	1,858	779,436
44	779,436	2,761	1,864	777,572
45	777,572	2,754	1,871	775,701
46	775,701	2,747	1,877	773,824
47	773,824	2,741	1,884	771,940
48	771,940	2,734	1,891	770,049
49	770,049	2,727	1,897	768,152
50	768,152	2,721	1,904	766,248
51	766,248	2,714	1,911	764,337
52	764,337	2,707	1,918	762,419
53	762,419	2,700	1,924	760,495
54	760,495	2,693	1,931	758,564
55	758,564	2,687	1,938	756,625
56	756,625	2,680	1,945	754,681
57	754,681	2,673	1,952	752,729
58	752,729	2,666	1,959	750,770
59	750,770	2,659	1,966	748,804
60	748,804	2,652	1,973	746,832
61	746,832	2,645	1,980	744,852
62	744,852	2,638	1,987	742,865
63	742,865	2,631	1,994	740,872
64	740,872	2,624	2,001	738,871
65	738,871	2,617	2,008	736,863
66	736,863	2,610	2,015	734,848
67	734,848	2,603	2,022	732,826
68	732,826	2,595	2,029	730,797
69	730,797	2,588	2,036	728,761
70	728,761	2,581	2,044	726,717
71	726,717	2,574	2,051	724,666
72	724,666	2,567	2,058	722,608
73	722,608	2,559	2,065	720,543
74	720,543	2,552	2,073	718,470
75	718,470	2,545	2,080	716,390
76	716,390	2,537	2,087	714,303
77	714,303	2,530	2,095	712,208
78	712,208	2,522	2,102	710,105
79	710,105	2,515	2,110	707,996
80	707,996	2,507	2,117	705,879
81	705,879	2,500	2,125	703,754
82	703,754	2,492	2,132	701,622
83	701,622	2,485	2,140	699,482
84	699,482	2,477	2,147	697,335
85	697,335	2,470	2,155	695,180
86	695,180	2,462	2,163	693,017
87	693,017	2,454	2,170	690,847
88	690,847	2,447	2,178	688,669
89	688,669	2,439	2,186	686,484
90	686,484	2,431	2,193	684,290
91	684,290	2,424	2,201	682,089
92	682,089	2,416	2,209	679,880
93	679,880	2,408	2,217	677,664
94	677,664	2,400	2,225	675,439
95	675,439	2,392	2,232	673,207
96	673,207	2,384	2,240	670,966
97	670,966	2,376	2,248	668,718
98	668,718	2,368	2,256	666,462
99	666,462	2,360	2,264	664,197
100	664,197	2,352	2,272	661,925
101	661,925	2,344	2,280	659,645
102	659,645	2,336	2,288	657,356
103	657,356	2,328	2,297	655,060
104	655,060	2,320	2,305	652,755
105	652,755	2,312	2,313	650,442
106	650,442	2,304	2,321	648,121
107	648,121	2,295	2,329	645,792
108	645,792	2,287	2,337	643,455
109	643,455	2,279	2,346	641,109
110	641,109	2,271	2,354	638,755
111	638,755	2,262	2,362	636,393
112	636,393	2,254	2,371	634,022
113	634,022	2,245	2,379	631,643
114	631,643	2,237	2,388	629,255
115	629,255	2,229	2,396	626,859
116	626,859	2,220	2,405	624,455
117	624,455	2,212	2,413	622,042
118	622,042	2,203	2,422	619,620
119	619,620	2,194	2,430	617,190
120	617,190	2,186	2,439	614,751
121	614,751	2,177	2,447	612,304
122	612,304	2,169	2,456	609,848
123	609,848	2,160	2,465	607,383
124	607,383	2,151	2,473	604,909
125	604,909	2,142	2,482	602,427
126	602,427	2,134	2,491	599,936
127	599,936	2,125	2,500	597,436
128	597,436	2,116	2,509	594,927
129	594,927	2,107	2,518	592,410
130	592,410	2,098	2,527	589,883
131	589,883	2,089	2,535	587,348
132	587,348	2,080	2,544	584,803
133	584,803	2,071	2,553	582,250
134	582,250	2,062	2,563	579,687
135	579,687	2,053	2,572	577,116
136	577,116	2,044	2,581	574,535
137	574,535	2,035	2,590	571,945
138	571,945	2,026	2,599	569,346
139	569,346	2,016	2,608	566,738
140	566,738	2,007	2,617	564,121
141	564,121	1,998	2,627	561,494
142	561,494	1,989	2,636	558,858
143	558,858	1,979	2,645	556,213
144	556,213	1,970	2,655	553,558
145	553,558	1,961	2,664	550,894
146	550,894	1,951	2,674	548,220
147	548,220	1,942	2,683	545,537
148	545,537	1,932	2,693	542,845
149	542,845	1,923	2,702	540,143
150	540,143	1,913	2,712	537,431
151	537,431	1,903	2,721	534,710
152	534,710	1,894	2,731	531,979
153	531,979	1,884	2,741	529,238
154	529,238	1,874	2,750	526,488
155	526,488	1,865	2,760	523,728
156	523,728	1,855	2,770	520,958
157	520,958	1,845	2,780	518,179
158	518,179	1,835	2,789	515,389
159	515,389	1,825	2,799	512,590
160	512,590	1,815	2,809	509,781
161	509,781	1,805	2,819	506,962
162	506,962	1,795	2,829	504,132
163	504,132	1,785	2,839	501,293
164	501,293	1,775	2,849	498,444
165	498,444	1,765	2,859	495,585
166	495,585	1,755	2,869	492,715
167	492,715	1,745	2,880	489,836
168	489,836	1,735	2,890	486,946
169	486,946	1,725	2,900	484,046
170	484,046	1,714	2,910	481,136
171	481,136	1,704	2,921	478,215
172	478,215	1,694	2,931	475,284
173	475,284	1,683	2,941	472,343
174	472,343	1,673	2,952	469,391
175	469,391	1,662	2,962	466,429
176	466,429	1,652	2,973	463,456
177	463,456	1,641	2,983	460,473
178	460,473	1,631	2,994	457,479
179	457,479	1,620	3,004	454,475
180	454,475	1,610	3,015	451,459
181	451,459	1,599	3,026	448,434
182	448,434	1,588	3,036	445,397
183	445,397	1,577	3,047	442,350
184	442,350	1,567	3,058	439,292
185	439,292	1,556	3,069	436,223
186	436,223	1,545	3,080	433,144
187	433,144	1,534	3,091	430,053
188	430,053	1,523	3,102	426,952
189	426,952	1,512	3,113	423,839
190	423,839	1,501	3,124	420,715
191	420,715	1,490	3,135	417,581
192	417,581	1,479	3,146	414,435
193	414,435	1,468	3,157	411,278
194	411,278	1,457	3,168	408,110
195	408,110	1,445	3,179	404,931
196	404,931	1,434	3,191	401,741
197	401,741	1,423	3,202	398,539
198	398,539	1,411	3,213	395,326
199	395,326	1,400	3,225	392,101
200	392,101	1,389	3,236	388,865
201	388,865	1,377	3,247	385,618
202	385,618	1,366	3,259	382,359
203	382,359	1,354	3,270	379,088
204	379,088	1,343	3,282	375,806
205	375,806	1,331	3,294	372,513
206	372,513	1,319	3,305	369,207
207	369,207	1,308	3,317	365,890
208	365,890	1,296	3,329	362,561
209	362,561	1,284	3,341	359,221
210	359,221	1,272	3,352	355,869
211	355,869	1,260	3,364	352,504
212	352,504	1,248	3,376	349,128
213	349,128	1,236	3,388	345,740
214	345,740	1,224	3,400	342,340
215	342,340	1,212	3,412	338,928
216	338,928	1,200	3,424	335,503
217	335,503	1,188	3,436	332,067
218	332,067	1,176	3,449	328,618
219	328,618	1,164	3,461	325,158
220	325,158	1,152	3,473	321,685
221	321,685	1,139	3,485	318,199
222	318,199	1,127	3,498	314,701
223	314,701	1,115	3,510	311,191
224	311,191	1,102	3,523	307,669
225	307,669	1,090	3,535	304,134
226	304,134	1,077	3,547	300,586
227	300,586	1,065	3,560	297,026
228	297,026	1,052	3,573	293,454
229	293,454	1,039	3,585	289,868
230	289,868	1,027	3,598	286,270
231	286,270	1,014	3,611	282,660
232	282,660	1,001	3,624	279,036
233	279,036	988	3,636	275,400
234	275,400	975	3,649	271,750
235	271,750	962	3,662	268,088
236	268,088	949	3,675	264,413
237	264,413	936	3,688	260,725
238	260,725	923	3,701	257,024
239	257,024	910	3,714	253,309
240	253,309	897	3,728	249,582
241	249,582	884	3,741	245,841
242	245,841	871	3,754	242,087
243	242,087	857	3,767	238,320
244	238,320	844	3,781	234,539
245	234,539	831	3,794	230,745
246	230,745	817	3,807	226,938
247	226,938	804	3,821	223,117
248	223,117	790	3,834	219,283
249	219,283	777	3,848	215,435
250	215,435	763	3,862	211,573
251	211,573	749	3,875	207,698
252	207,698	736	3,889	203,809
253	203,809	722	3,903	199,906
254	199,906	708	3,917	195,989
255	195,989	694	3,931	192,059
256	192,059	680	3,944	188,114
257	188,114	666	3,958	184,156
258	184,156	652	3,972	180,183
259	180,183	638	3,986	176,197
260	176,197	624	4,001	172,196
261	172,196	610	4,015	168,181
262	168,181	596	4,029	164,152
263	164,152	581	4,043	160,109
264	160,109	567	4,058	156,052
265	156,052	553	4,072	151,980
266	151,980	538	4,086	147,893
267	147,893	524	4,101	143,792
268	143,792	509	4,115	139,677
269	139,677	495	4,130	135,547
270	135,547	480	4,145	131,402
271	131,402	465	4,159	127,243
272	127,243	451	4,174	123,069
273	123,069	436	4,189	118,880
274	118,880	421	4,204	114,677
275	114,677	406	4,218	110,458
276	110,458	391	4,233	106,225
277	106,225	376	4,248	101,977
278	101,977	361	4,263	97,713
279	97,713	346	4,279	93,434
280	93,434	331	4,294	89,141
281	89,141	316	4,309	84,832
282	84,832	300	4,324	80,508
283	80,508	285	4,340	76,168
284	76,168	270	4,355	71,813
285	71,813	254	4,370	67,443
286	67,443	239	4,386	63,057
287	63,057	223	4,401	58,656
288	58,656	208	4,417	54,239
289	54,239	192	4,433	49,806
290	49,806	176	4,448	45,358
291	45,358	161	4,464	40,894
292	40,894	145	4,480	36,414
293	36,414	129	4,496	31,919
294	31,919	113	4,512	27,407
295	27,407	97	4,528	22,880
296	22,880	81	4,544	18,336
297	18,336	65	4,560	13,776
298	13,776	49	4,576	9,200
299	9,200	33	4,592	4,608
300	4,608	16	4,608	0

Email me this breakdown

Indicative only — not an offer of finance. Lender criteria and rates vary and approval is not guaranteed. REIN Investment acts as an intermediary and is not a lender. Your property may be repossessed if you do not keep up repayments.

Caps and fees effective 2026-07-01. CBUAE lending caps as commonly applied by UAE banks; DLD fee schedule. Unverified seed values — confirm before launch.