REIN Investment · Bayz 102

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 1,262,500

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 1,262,500

Monthly repayment

AED 6,839

Total paid over 25 years

AED 2,051,833

of which interest AED 789,333

Total upfront cash

AED 1,435,151 – AED 1,438,151

DepositAED 1,262,500
DLD transfer fee (4% + admin)AED 101,580
Mortgage registration (0.25% + admin)AED 3,446
Bank arrangement feeAED 12,625
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 50,500

Plus life and property insurance, estimated AED 6,313/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 30%AED 757,500
During construction · 40%AED 1,010,000
Upon Handover · 30%AED 757,500

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 1,199,375 — you bring AED 63,125 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,262,500	4,471	2,368	1,260,132
2	1,260,132	4,463	2,376	1,257,755
3	1,257,755	4,455	2,385	1,255,371
4	1,255,371	4,446	2,393	1,252,977
5	1,252,977	4,438	2,402	1,250,575
6	1,250,575	4,429	2,410	1,248,165
7	1,248,165	4,421	2,419	1,245,746
8	1,245,746	4,412	2,427	1,243,319
9	1,243,319	4,403	2,436	1,240,883
10	1,240,883	4,395	2,445	1,238,438
11	1,238,438	4,386	2,453	1,235,985
12	1,235,985	4,377	2,462	1,233,523
13	1,233,523	4,369	2,471	1,231,052
14	1,231,052	4,360	2,479	1,228,573
15	1,228,573	4,351	2,488	1,226,084
16	1,226,084	4,342	2,497	1,223,587
17	1,223,587	4,334	2,506	1,221,081
18	1,221,081	4,325	2,515	1,218,567
19	1,218,567	4,316	2,524	1,216,043
20	1,216,043	4,307	2,533	1,213,510
21	1,213,510	4,298	2,542	1,210,969
22	1,210,969	4,289	2,551	1,208,418
23	1,208,418	4,280	2,560	1,205,858
24	1,205,858	4,271	2,569	1,203,290
25	1,203,290	4,262	2,578	1,200,712
26	1,200,712	4,253	2,587	1,198,125
27	1,198,125	4,243	2,596	1,195,529
28	1,195,529	4,234	2,605	1,192,924
29	1,192,924	4,225	2,615	1,190,309
30	1,190,309	4,216	2,624	1,187,685
31	1,187,685	4,206	2,633	1,185,052
32	1,185,052	4,197	2,642	1,182,410
33	1,182,410	4,188	2,652	1,179,758
34	1,179,758	4,178	2,661	1,177,097
35	1,177,097	4,169	2,671	1,174,427
36	1,174,427	4,159	2,680	1,171,747
37	1,171,747	4,150	2,690	1,169,057
38	1,169,057	4,140	2,699	1,166,358
39	1,166,358	4,131	2,709	1,163,649
40	1,163,649	4,121	2,718	1,160,931
41	1,160,931	4,112	2,728	1,158,203
42	1,158,203	4,102	2,737	1,155,466
43	1,155,466	4,092	2,747	1,152,719
44	1,152,719	4,083	2,757	1,149,962
45	1,149,962	4,073	2,767	1,147,195
46	1,147,195	4,063	2,776	1,144,419
47	1,144,419	4,053	2,786	1,141,632
48	1,141,632	4,043	2,796	1,138,836
49	1,138,836	4,033	2,806	1,136,030
50	1,136,030	4,023	2,816	1,133,214
51	1,133,214	4,013	2,826	1,130,388
52	1,130,388	4,003	2,836	1,127,552
53	1,127,552	3,993	2,846	1,124,706
54	1,124,706	3,983	2,856	1,121,850
55	1,121,850	3,973	2,866	1,118,984
56	1,118,984	3,963	2,876	1,116,108
57	1,116,108	3,953	2,887	1,113,221
58	1,113,221	3,943	2,897	1,110,324
59	1,110,324	3,932	2,907	1,107,417
60	1,107,417	3,922	2,917	1,104,500
61	1,104,500	3,912	2,928	1,101,572
62	1,101,572	3,901	2,938	1,098,634
63	1,098,634	3,891	2,948	1,095,686
64	1,095,686	3,881	2,959	1,092,727
65	1,092,727	3,870	2,969	1,089,757
66	1,089,757	3,860	2,980	1,086,777
67	1,086,777	3,849	2,990	1,083,787
68	1,083,787	3,838	3,001	1,080,786
69	1,080,786	3,828	3,012	1,077,774
70	1,077,774	3,817	3,022	1,074,752
71	1,074,752	3,806	3,033	1,071,719
72	1,071,719	3,796	3,044	1,068,675
73	1,068,675	3,785	3,055	1,065,621
74	1,065,621	3,774	3,065	1,062,555
75	1,062,555	3,763	3,076	1,059,479
76	1,059,479	3,752	3,087	1,056,392
77	1,056,392	3,741	3,098	1,053,294
78	1,053,294	3,730	3,109	1,050,185
79	1,050,185	3,719	3,120	1,047,065
80	1,047,065	3,708	3,131	1,043,934
81	1,043,934	3,697	3,142	1,040,792
82	1,040,792	3,686	3,153	1,037,638
83	1,037,638	3,675	3,164	1,034,474
84	1,034,474	3,664	3,176	1,031,298
85	1,031,298	3,653	3,187	1,028,111
86	1,028,111	3,641	3,198	1,024,913
87	1,024,913	3,630	3,210	1,021,703
88	1,021,703	3,619	3,221	1,018,483
89	1,018,483	3,607	3,232	1,015,250
90	1,015,250	3,596	3,244	1,012,006
91	1,012,006	3,584	3,255	1,008,751
92	1,008,751	3,573	3,267	1,005,484
93	1,005,484	3,561	3,278	1,002,206
94	1,002,206	3,549	3,290	998,916
95	998,916	3,538	3,302	995,614
96	995,614	3,526	3,313	992,301
97	992,301	3,514	3,325	988,976
98	988,976	3,503	3,337	985,639
99	985,639	3,491	3,349	982,291
100	982,291	3,479	3,360	978,930
101	978,930	3,467	3,372	975,558
102	975,558	3,455	3,384	972,173
103	972,173	3,443	3,396	968,777
104	968,777	3,431	3,408	965,369
105	965,369	3,419	3,420	961,948
106	961,948	3,407	3,433	958,516
107	958,516	3,395	3,445	955,071
108	955,071	3,383	3,457	951,614
109	951,614	3,370	3,469	948,145
110	948,145	3,358	3,481	944,664
111	944,664	3,346	3,494	941,170
112	941,170	3,333	3,506	937,664
113	937,664	3,321	3,519	934,145
114	934,145	3,308	3,531	930,614
115	930,614	3,296	3,544	927,071
116	927,071	3,283	3,556	923,515
117	923,515	3,271	3,569	919,946
118	919,946	3,258	3,581	916,365
119	916,365	3,245	3,594	912,771
120	912,771	3,233	3,607	909,164
121	909,164	3,220	3,619	905,544
122	905,544	3,207	3,632	901,912
123	901,912	3,194	3,645	898,267
124	898,267	3,181	3,658	894,609
125	894,609	3,168	3,671	890,938
126	890,938	3,155	3,684	887,254
127	887,254	3,142	3,697	883,557
128	883,557	3,129	3,710	879,846
129	879,846	3,116	3,723	876,123
130	876,123	3,103	3,737	872,387
131	872,387	3,090	3,750	868,637
132	868,637	3,076	3,763	864,874
133	864,874	3,063	3,776	861,098
134	861,098	3,050	3,790	857,308
135	857,308	3,036	3,803	853,505
136	853,505	3,023	3,817	849,688
137	849,688	3,009	3,830	845,858
138	845,858	2,996	3,844	842,014
139	842,014	2,982	3,857	838,157
140	838,157	2,968	3,871	834,286
141	834,286	2,955	3,885	830,401
142	830,401	2,941	3,898	826,503
143	826,503	2,927	3,912	822,591
144	822,591	2,913	3,926	818,664
145	818,664	2,899	3,940	814,724
146	814,724	2,885	3,954	810,771
147	810,771	2,871	3,968	806,803
148	806,803	2,857	3,982	802,821
149	802,821	2,843	3,996	798,824
150	798,824	2,829	4,010	794,814
151	794,814	2,815	4,024	790,790
152	790,790	2,801	4,039	786,751
153	786,751	2,786	4,053	782,698
154	782,698	2,772	4,067	778,631
155	778,631	2,758	4,082	774,549
156	774,549	2,743	4,096	770,452
157	770,452	2,729	4,111	766,342
158	766,342	2,714	4,125	762,216
159	762,216	2,700	4,140	758,076
160	758,076	2,685	4,155	753,922
161	753,922	2,670	4,169	749,753
162	749,753	2,655	4,184	745,568
163	745,568	2,641	4,199	741,370
164	741,370	2,626	4,214	737,156
165	737,156	2,611	4,229	732,927
166	732,927	2,596	4,244	728,684
167	728,684	2,581	4,259	724,425
168	724,425	2,566	4,274	720,151
169	720,151	2,551	4,289	715,862
170	715,862	2,535	4,304	711,558
171	711,558	2,520	4,319	707,239
172	707,239	2,505	4,335	702,904
173	702,904	2,489	4,350	698,554
174	698,554	2,474	4,365	694,189
175	694,189	2,459	4,381	689,808
176	689,808	2,443	4,396	685,411
177	685,411	2,427	4,412	680,999
178	680,999	2,412	4,428	676,572
179	676,572	2,396	4,443	672,129
180	672,129	2,380	4,459	667,670
181	667,670	2,365	4,475	663,195
182	663,195	2,349	4,491	658,704
183	658,704	2,333	4,507	654,198
184	654,198	2,317	4,522	649,675
185	649,675	2,301	4,539	645,137
186	645,137	2,285	4,555	640,582
187	640,582	2,269	4,571	636,011
188	636,011	2,253	4,587	631,425
189	631,425	2,236	4,603	626,821
190	626,821	2,220	4,619	622,202
191	622,202	2,204	4,636	617,566
192	617,566	2,187	4,652	612,914
193	612,914	2,171	4,669	608,245
194	608,245	2,154	4,685	603,560
195	603,560	2,138	4,702	598,858
196	598,858	2,121	4,718	594,140
197	594,140	2,104	4,735	589,404
198	589,404	2,087	4,752	584,652
199	584,652	2,071	4,769	579,884
200	579,884	2,054	4,786	575,098
201	575,098	2,037	4,803	570,295
202	570,295	2,020	4,820	565,476
203	565,476	2,003	4,837	560,639
204	560,639	1,986	4,854	555,785
205	555,785	1,968	4,871	550,914
206	550,914	1,951	4,888	546,026
207	546,026	1,934	4,906	541,120
208	541,120	1,916	4,923	536,197
209	536,197	1,899	4,940	531,257
210	531,257	1,882	4,958	526,299
211	526,299	1,864	4,975	521,323
212	521,323	1,846	4,993	516,330
213	516,330	1,829	5,011	511,320
214	511,320	1,811	5,029	506,291
215	506,291	1,793	5,046	501,245
216	501,245	1,775	5,064	496,181
217	496,181	1,757	5,082	491,098
218	491,098	1,739	5,100	485,998
219	485,998	1,721	5,118	480,880
220	480,880	1,703	5,136	475,744
221	475,744	1,685	5,155	470,589
222	470,589	1,667	5,173	465,416
223	465,416	1,648	5,191	460,225
224	460,225	1,630	5,209	455,016
225	455,016	1,612	5,228	449,788
226	449,788	1,593	5,246	444,541
227	444,541	1,574	5,265	439,276
228	439,276	1,556	5,284	433,993
229	433,993	1,537	5,302	428,690
230	428,690	1,518	5,321	423,369
231	423,369	1,499	5,340	418,029
232	418,029	1,481	5,359	412,670
233	412,670	1,462	5,378	407,292
234	407,292	1,442	5,397	401,895
235	401,895	1,423	5,416	396,479
236	396,479	1,404	5,435	391,044
237	391,044	1,385	5,454	385,590
238	385,590	1,366	5,474	380,116
239	380,116	1,346	5,493	374,623
240	374,623	1,327	5,513	369,110
241	369,110	1,307	5,532	363,578
242	363,578	1,288	5,552	358,026
243	358,026	1,268	5,571	352,455
244	352,455	1,248	5,591	346,863
245	346,863	1,228	5,611	341,252
246	341,252	1,209	5,631	335,622
247	335,622	1,189	5,651	329,971
248	329,971	1,169	5,671	324,300
249	324,300	1,149	5,691	318,609
250	318,609	1,128	5,711	312,898
251	312,898	1,108	5,731	307,167
252	307,167	1,088	5,752	301,415
253	301,415	1,068	5,772	295,643
254	295,643	1,047	5,792	289,851
255	289,851	1,027	5,813	284,038
256	284,038	1,006	5,833	278,205
257	278,205	985	5,854	272,350
258	272,350	965	5,875	266,476
259	266,476	944	5,896	260,580
260	260,580	923	5,917	254,663
261	254,663	902	5,938	248,726
262	248,726	881	5,959	242,767
263	242,767	860	5,980	236,788
264	236,788	839	6,001	230,787
265	230,787	817	6,022	224,765
266	224,765	796	6,043	218,721
267	218,721	775	6,065	212,657
268	212,657	753	6,086	206,570
269	206,570	732	6,108	200,462
270	200,462	710	6,129	194,333
271	194,333	688	6,151	188,182
272	188,182	666	6,173	182,009
273	182,009	645	6,195	175,814
274	175,814	623	6,217	169,597
275	169,597	601	6,239	163,358
276	163,358	579	6,261	157,098
277	157,098	556	6,283	150,815
278	150,815	534	6,305	144,509
279	144,509	512	6,328	138,182
280	138,182	489	6,350	131,832
281	131,832	467	6,373	125,459
282	125,459	444	6,395	119,064
283	119,064	422	6,418	112,646
284	112,646	399	6,440	106,206
285	106,206	376	6,463	99,742
286	99,742	353	6,486	93,256
287	93,256	330	6,509	86,747
288	86,747	307	6,532	80,215
289	80,215	284	6,555	73,659
290	73,659	261	6,579	67,081
291	67,081	238	6,602	60,479
292	60,479	214	6,625	53,854
293	53,854	191	6,649	47,205
294	47,205	167	6,672	40,533
295	40,533	144	6,696	33,837
296	33,837	120	6,720	27,117
297	27,117	96	6,743	20,374
298	20,374	72	6,767	13,607
299	13,607	48	6,791	6,815
300	6,815	24	6,815	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.