REIN Investment · Avana Residences

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 373,207

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 373,207

Monthly repayment

AED 2,022

Total paid over 25 years

AED 606,541

of which interest AED 233,334

Total upfront cash

AED 428,026 – AED 431,026

DepositAED 373,207
DLD transfer fee (4% + admin)AED 30,437
Mortgage registration (0.25% + admin)AED 1,223
Bank arrangement feeAED 3,732
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 14,928

Plus life and property insurance, estimated AED 1,866/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 74,641
During construction · 50%AED 373,207
Upon Handover · 10%AED 74,641
1.25% monthly for 24 months · 30%AED 223,924

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 354,546 — you bring AED 18,660 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	373,207	1,322	700	372,506
2	372,506	1,319	703	371,804
3	371,804	1,317	705	371,099
4	371,099	1,314	707	370,391
5	370,391	1,312	710	369,681
6	369,681	1,309	713	368,969
7	368,969	1,307	715	368,254
8	368,254	1,304	718	367,536
9	367,536	1,302	720	366,816
10	366,816	1,299	723	366,094
11	366,094	1,297	725	365,368
12	365,368	1,294	728	364,641
13	364,641	1,291	730	363,910
14	363,910	1,289	733	363,177
15	363,177	1,286	736	362,442
16	362,442	1,284	738	361,704
17	361,704	1,281	741	360,963
18	360,963	1,278	743	360,219
19	360,219	1,276	746	359,473
20	359,473	1,273	749	358,725
21	358,725	1,270	751	357,973
22	357,973	1,268	754	357,219
23	357,219	1,265	757	356,463
24	356,463	1,262	759	355,703
25	355,703	1,260	762	354,941
26	354,941	1,257	765	354,177
27	354,177	1,254	767	353,409
28	353,409	1,252	770	352,639
29	352,639	1,249	773	351,866
30	351,866	1,246	776	351,091
31	351,091	1,243	778	350,312
32	350,312	1,241	781	349,531
33	349,531	1,238	784	348,747
34	348,747	1,235	787	347,961
35	347,961	1,232	789	347,171
36	347,171	1,230	792	346,379
37	346,379	1,227	795	345,584
38	345,584	1,224	798	344,786
39	344,786	1,221	801	343,985
40	343,985	1,218	804	343,182
41	343,182	1,215	806	342,375
42	342,375	1,213	809	341,566
43	341,566	1,210	812	340,754
44	340,754	1,207	815	339,939
45	339,939	1,204	818	339,121
46	339,121	1,201	821	338,301
47	338,301	1,198	824	337,477
48	337,477	1,195	827	336,650
49	336,650	1,192	829	335,821
50	335,821	1,189	832	334,988
51	334,988	1,186	835	334,153
52	334,153	1,183	838	333,315
53	333,315	1,180	841	332,473
54	332,473	1,178	844	331,629
55	331,629	1,175	847	330,782
56	330,782	1,172	850	329,932
57	329,932	1,169	853	329,078
58	329,078	1,165	856	328,222
59	328,222	1,162	859	327,363
60	327,363	1,159	862	326,500
61	326,500	1,156	865	325,635
62	325,635	1,153	869	324,766
63	324,766	1,150	872	323,895
64	323,895	1,147	875	323,020
65	323,020	1,144	878	322,142
66	322,142	1,141	881	321,261
67	321,261	1,138	884	320,377
68	320,377	1,135	887	319,490
69	319,490	1,132	890	318,600
70	318,600	1,128	893	317,706
71	317,706	1,125	897	316,810
72	316,810	1,122	900	315,910
73	315,910	1,119	903	315,007
74	315,007	1,116	906	314,101
75	314,101	1,112	909	313,192
76	313,192	1,109	913	312,279
77	312,279	1,106	916	311,363
78	311,363	1,103	919	310,444
79	310,444	1,099	922	309,522
80	309,522	1,096	926	308,596
81	308,596	1,093	929	307,667
82	307,667	1,090	932	306,735
83	306,735	1,086	935	305,800
84	305,800	1,083	939	304,861
85	304,861	1,080	942	303,919
86	303,919	1,076	945	302,974
87	302,974	1,073	949	302,025
88	302,025	1,070	952	301,073
89	301,073	1,066	956	300,117
90	300,117	1,063	959	299,158
91	299,158	1,060	962	298,196
92	298,196	1,056	966	297,230
93	297,230	1,053	969	296,261
94	296,261	1,049	973	295,289
95	295,289	1,046	976	294,313
96	294,313	1,042	979	293,333
97	293,333	1,039	983	292,350
98	292,350	1,035	986	291,364
99	291,364	1,032	990	290,374
100	290,374	1,028	993	289,381
101	289,381	1,025	997	288,384
102	288,384	1,021	1,000	287,383
103	287,383	1,018	1,004	286,379
104	286,379	1,014	1,008	285,372
105	285,372	1,011	1,011	284,361
106	284,361	1,007	1,015	283,346
107	283,346	1,004	1,018	282,328
108	282,328	1,000	1,022	281,306
109	281,306	996	1,026	280,280
110	280,280	993	1,029	279,251
111	279,251	989	1,033	278,218
112	278,218	985	1,036	277,182
113	277,182	982	1,040	276,142
114	276,142	978	1,044	275,098
115	275,098	974	1,047	274,051
116	274,051	971	1,051	272,999
117	272,999	967	1,055	271,944
118	271,944	963	1,059	270,886
119	270,886	959	1,062	269,823
120	269,823	956	1,066	268,757
121	268,757	952	1,070	267,687
122	267,687	948	1,074	266,613
123	266,613	944	1,078	265,536
124	265,536	940	1,081	264,455
125	264,455	937	1,085	263,369
126	263,369	933	1,089	262,280
127	262,280	929	1,093	261,187
128	261,187	925	1,097	260,091
129	260,091	921	1,101	258,990
130	258,990	917	1,105	257,885
131	257,885	913	1,108	256,777
132	256,777	909	1,112	255,665
133	255,665	905	1,116	254,548
134	254,548	902	1,120	253,428
135	253,428	898	1,124	252,304
136	252,304	894	1,128	251,176
137	251,176	890	1,132	250,043
138	250,043	886	1,136	248,907
139	248,907	882	1,140	247,767
140	247,767	878	1,144	246,623
141	246,623	873	1,148	245,474
142	245,474	869	1,152	244,322
143	244,322	865	1,156	243,165
144	243,165	861	1,161	242,005
145	242,005	857	1,165	240,840
146	240,840	853	1,169	239,671
147	239,671	849	1,173	238,498
148	238,498	845	1,177	237,321
149	237,321	841	1,181	236,140
150	236,140	836	1,185	234,954
151	234,954	832	1,190	233,765
152	233,765	828	1,194	232,571
153	232,571	824	1,198	231,373
154	231,373	819	1,202	230,170
155	230,170	815	1,207	228,964
156	228,964	811	1,211	227,753
157	227,753	807	1,215	226,538
158	226,538	802	1,219	225,318
159	225,318	798	1,224	224,094
160	224,094	794	1,228	222,866
161	222,866	789	1,232	221,634
162	221,634	785	1,237	220,397
163	220,397	781	1,241	219,156
164	219,156	776	1,246	217,910
165	217,910	772	1,250	216,660
166	216,660	767	1,254	215,405
167	215,405	763	1,259	214,147
168	214,147	758	1,263	212,883
169	212,883	754	1,268	211,615
170	211,615	749	1,272	210,343
171	210,343	745	1,277	209,066
172	209,066	740	1,281	207,785
173	207,785	736	1,286	206,499
174	206,499	731	1,290	205,208
175	205,208	727	1,295	203,913
176	203,913	722	1,300	202,614
177	202,614	718	1,304	201,310
178	201,310	713	1,309	200,001
179	200,001	708	1,313	198,687
180	198,687	704	1,318	197,369
181	197,369	699	1,323	196,046
182	196,046	694	1,327	194,719
183	194,719	690	1,332	193,387
184	193,387	685	1,337	192,050
185	192,050	680	1,342	190,708
186	190,708	675	1,346	189,362
187	189,362	671	1,351	188,011
188	188,011	666	1,356	186,655
189	186,655	661	1,361	185,294
190	185,294	656	1,366	183,929
191	183,929	651	1,370	182,558
192	182,558	647	1,375	181,183
193	181,183	642	1,380	179,803
194	179,803	637	1,385	178,418
195	178,418	632	1,390	177,028
196	177,028	627	1,395	175,633
197	175,633	622	1,400	174,233
198	174,233	617	1,405	172,829
199	172,829	612	1,410	171,419
200	171,419	607	1,415	170,004
201	170,004	602	1,420	168,584
202	168,584	597	1,425	167,160
203	167,160	592	1,430	165,730
204	165,730	587	1,435	164,295
205	164,295	582	1,440	162,855
206	162,855	577	1,445	161,410
207	161,410	572	1,450	159,960
208	159,960	567	1,455	158,505
209	158,505	561	1,460	157,044
210	157,044	556	1,466	155,579
211	155,579	551	1,471	154,108
212	154,108	546	1,476	152,632
213	152,632	541	1,481	151,151
214	151,151	535	1,486	149,664
215	149,664	530	1,492	148,173
216	148,173	525	1,497	146,675
217	146,675	519	1,502	145,173
218	145,173	514	1,508	143,666
219	143,666	509	1,513	142,153
220	142,153	503	1,518	140,634
221	140,634	498	1,524	139,110
222	139,110	493	1,529	137,581
223	137,581	487	1,535	136,047
224	136,047	482	1,540	134,507
225	134,507	476	1,545	132,961
226	132,961	471	1,551	131,411
227	131,411	465	1,556	129,854
228	129,854	460	1,562	128,292
229	128,292	454	1,567	126,725
230	126,725	449	1,573	125,152
231	125,152	443	1,579	123,573
232	123,573	438	1,584	121,989
233	121,989	432	1,590	120,399
234	120,399	426	1,595	118,804
235	118,804	421	1,601	117,203
236	117,203	415	1,607	115,596
237	115,596	409	1,612	113,984
238	113,984	404	1,618	112,366
239	112,366	398	1,624	110,742
240	110,742	392	1,630	109,112
241	109,112	386	1,635	107,477
242	107,477	381	1,641	105,836
243	105,836	375	1,647	104,189
244	104,189	369	1,653	102,536
245	102,536	363	1,659	100,877
246	100,877	357	1,665	99,213
247	99,213	351	1,670	97,542
248	97,542	345	1,676	95,866
249	95,866	340	1,682	94,184
250	94,184	334	1,688	92,496
251	92,496	328	1,694	90,801
252	90,801	322	1,700	89,101
253	89,101	316	1,706	87,395
254	87,395	310	1,712	85,683
255	85,683	303	1,718	83,964
256	83,964	297	1,724	82,240
257	82,240	291	1,731	80,509
258	80,509	285	1,737	78,773
259	78,773	279	1,743	77,030
260	77,030	273	1,749	75,281
261	75,281	267	1,755	73,526
262	73,526	260	1,761	71,764
263	71,764	254	1,768	69,997
264	69,997	248	1,774	68,223
265	68,223	242	1,780	66,443
266	66,443	235	1,786	64,656
267	64,656	229	1,793	62,863
268	62,863	223	1,799	61,064
269	61,064	216	1,806	59,259
270	59,259	210	1,812	57,447
271	57,447	203	1,818	55,628
272	55,628	197	1,825	53,803
273	53,803	191	1,831	51,972
274	51,972	184	1,838	50,134
275	50,134	178	1,844	48,290
276	48,290	171	1,851	46,439
277	46,439	164	1,857	44,582
278	44,582	158	1,864	42,718
279	42,718	151	1,871	40,848
280	40,848	145	1,877	38,971
281	38,971	138	1,884	37,087
282	37,087	131	1,890	35,196
283	35,196	125	1,897	33,299
284	33,299	118	1,904	31,395
285	31,395	111	1,911	29,485
286	29,485	104	1,917	27,567
287	27,567	98	1,924	25,643
288	25,643	91	1,931	23,712
289	23,712	84	1,938	21,774
290	21,774	77	1,945	19,830
291	19,830	70	1,952	17,878
292	17,878	63	1,958	15,920
293	15,920	56	1,965	13,954
294	13,954	49	1,972	11,982
295	11,982	42	1,979	10,002
296	10,002	35	1,986	8,016
297	8,016	28	1,993	6,023
298	6,023	21	2,000	4,022
299	4,022	14	2,008	2,015
300	2,015	7	2,015	0

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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.