REIN Investment · Coastal Haven

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 1,325,000

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 1,325,000

Monthly repayment

AED 7,178

Total paid over 25 years

AED 2,153,409

of which interest AED 828,409

Total upfront cash

AED 1,505,933 – AED 1,508,933

DepositAED 1,325,000
DLD transfer fee (4% + admin)AED 106,580
Mortgage registration (0.25% + admin)AED 3,603
Bank arrangement feeAED 13,250
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 53,000

Plus life and property insurance, estimated AED 6,625/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 530,000
During construction · 45%AED 1,192,500
Upon Handover · 35%AED 927,500

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 1,258,750 — you bring AED 66,250 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,325,000	4,693	2,485	1,322,515
2	1,322,515	4,684	2,494	1,320,021
3	1,320,021	4,675	2,503	1,317,518
4	1,317,518	4,666	2,512	1,315,006
5	1,315,006	4,657	2,521	1,312,485
6	1,312,485	4,648	2,530	1,309,955
7	1,309,955	4,639	2,539	1,307,417
8	1,307,417	4,630	2,548	1,304,869
9	1,304,869	4,621	2,557	1,302,313
10	1,302,313	4,612	2,566	1,299,747
11	1,299,747	4,603	2,575	1,297,172
12	1,297,172	4,594	2,584	1,294,588
13	1,294,588	4,585	2,593	1,291,995
14	1,291,995	4,576	2,602	1,289,393
15	1,289,393	4,567	2,611	1,286,782
16	1,286,782	4,557	2,621	1,284,161
17	1,284,161	4,548	2,630	1,281,531
18	1,281,531	4,539	2,639	1,278,892
19	1,278,892	4,529	2,649	1,276,243
20	1,276,243	4,520	2,658	1,273,585
21	1,273,585	4,511	2,667	1,270,918
22	1,270,918	4,501	2,677	1,268,241
23	1,268,241	4,492	2,686	1,265,554
24	1,265,554	4,482	2,696	1,262,859
25	1,262,859	4,473	2,705	1,260,153
26	1,260,153	4,463	2,715	1,257,438
27	1,257,438	4,453	2,725	1,254,714
28	1,254,714	4,444	2,734	1,251,979
29	1,251,979	4,434	2,744	1,249,235
30	1,249,235	4,424	2,754	1,246,482
31	1,246,482	4,415	2,763	1,243,718
32	1,243,718	4,405	2,773	1,240,945
33	1,240,945	4,395	2,783	1,238,162
34	1,238,162	4,385	2,793	1,235,369
35	1,235,369	4,375	2,803	1,232,567
36	1,232,567	4,365	2,813	1,229,754
37	1,229,754	4,355	2,823	1,226,931
38	1,226,931	4,345	2,833	1,224,099
39	1,224,099	4,335	2,843	1,221,256
40	1,221,256	4,325	2,853	1,218,403
41	1,218,403	4,315	2,863	1,215,540
42	1,215,540	4,305	2,873	1,212,667
43	1,212,667	4,295	2,883	1,209,784
44	1,209,784	4,285	2,893	1,206,891
45	1,206,891	4,274	2,904	1,203,987
46	1,203,987	4,264	2,914	1,201,073
47	1,201,073	4,254	2,924	1,198,149
48	1,198,149	4,243	2,935	1,195,214
49	1,195,214	4,233	2,945	1,192,269
50	1,192,269	4,223	2,955	1,189,314
51	1,189,314	4,212	2,966	1,186,348
52	1,186,348	4,202	2,976	1,183,372
53	1,183,372	4,191	2,987	1,180,385
54	1,180,385	4,181	2,998	1,177,387
55	1,177,387	4,170	3,008	1,174,379
56	1,174,379	4,159	3,019	1,171,360
57	1,171,360	4,149	3,029	1,168,331
58	1,168,331	4,138	3,040	1,165,291
59	1,165,291	4,127	3,051	1,162,240
60	1,162,240	4,116	3,062	1,159,178
61	1,159,178	4,105	3,073	1,156,105
62	1,156,105	4,095	3,083	1,153,022
63	1,153,022	4,084	3,094	1,149,928
64	1,149,928	4,073	3,105	1,146,822
65	1,146,822	4,062	3,116	1,143,706
66	1,143,706	4,051	3,127	1,140,578
67	1,140,578	4,040	3,138	1,137,440
68	1,137,440	4,028	3,150	1,134,290
69	1,134,290	4,017	3,161	1,131,130
70	1,131,130	4,006	3,172	1,127,958
71	1,127,958	3,995	3,183	1,124,774
72	1,124,774	3,984	3,194	1,121,580
73	1,121,580	3,972	3,206	1,118,374
74	1,118,374	3,961	3,217	1,115,157
75	1,115,157	3,950	3,229	1,111,929
76	1,111,929	3,938	3,240	1,108,689
77	1,108,689	3,927	3,251	1,105,437
78	1,105,437	3,915	3,263	1,102,174
79	1,102,174	3,904	3,274	1,098,900
80	1,098,900	3,892	3,286	1,095,614
81	1,095,614	3,880	3,298	1,092,316
82	1,092,316	3,869	3,309	1,089,007
83	1,089,007	3,857	3,321	1,085,685
84	1,085,685	3,845	3,333	1,082,352
85	1,082,352	3,833	3,345	1,079,008
86	1,079,008	3,821	3,357	1,075,651
87	1,075,651	3,810	3,368	1,072,283
88	1,072,283	3,798	3,380	1,068,902
89	1,068,902	3,786	3,392	1,065,510
90	1,065,510	3,774	3,404	1,062,106
91	1,062,106	3,762	3,416	1,058,689
92	1,058,689	3,750	3,429	1,055,261
93	1,055,261	3,737	3,441	1,051,820
94	1,051,820	3,725	3,453	1,048,367
95	1,048,367	3,713	3,465	1,044,902
96	1,044,902	3,701	3,477	1,041,425
97	1,041,425	3,688	3,490	1,037,935
98	1,037,935	3,676	3,502	1,034,433
99	1,034,433	3,664	3,514	1,030,919
100	1,030,919	3,651	3,527	1,027,392
101	1,027,392	3,639	3,539	1,023,853
102	1,023,853	3,626	3,552	1,020,301
103	1,020,301	3,614	3,564	1,016,736
104	1,016,736	3,601	3,577	1,013,159
105	1,013,159	3,588	3,590	1,009,570
106	1,009,570	3,576	3,602	1,005,967
107	1,005,967	3,563	3,615	1,002,352
108	1,002,352	3,550	3,628	998,724
109	998,724	3,537	3,641	995,083
110	995,083	3,524	3,654	991,429
111	991,429	3,511	3,667	987,762
112	987,762	3,498	3,680	984,083
113	984,083	3,485	3,693	980,390
114	980,390	3,472	3,706	976,684
115	976,684	3,459	3,719	972,965
116	972,965	3,446	3,732	969,233
117	969,233	3,433	3,745	965,488
118	965,488	3,419	3,759	961,729
119	961,729	3,406	3,772	957,957
120	957,957	3,393	3,785	954,172
121	954,172	3,379	3,799	950,373
122	950,373	3,366	3,812	946,561
123	946,561	3,352	3,826	942,736
124	942,736	3,339	3,839	938,896
125	938,896	3,325	3,853	935,044
126	935,044	3,312	3,866	931,177
127	931,177	3,298	3,880	927,297
128	927,297	3,284	3,894	923,403
129	923,403	3,270	3,908	919,496
130	919,496	3,257	3,921	915,574
131	915,574	3,243	3,935	911,639
132	911,639	3,229	3,949	907,689
133	907,689	3,215	3,963	903,726
134	903,726	3,201	3,977	899,749
135	899,749	3,187	3,991	895,757
136	895,757	3,172	4,006	891,752
137	891,752	3,158	4,020	887,732
138	887,732	3,144	4,034	883,698
139	883,698	3,130	4,048	879,650
140	879,650	3,115	4,063	875,587
141	875,587	3,101	4,077	871,510
142	871,510	3,087	4,091	867,419
143	867,419	3,072	4,106	863,313
144	863,313	3,058	4,120	859,192
145	859,192	3,043	4,135	855,057
146	855,057	3,028	4,150	850,908
147	850,908	3,014	4,164	846,743
148	846,743	2,999	4,179	842,564
149	842,564	2,984	4,194	838,370
150	838,370	2,969	4,209	834,161
151	834,161	2,954	4,224	829,938
152	829,938	2,939	4,239	825,699
153	825,699	2,924	4,254	821,445
154	821,445	2,909	4,269	817,177
155	817,177	2,894	4,284	812,893
156	812,893	2,879	4,299	808,594
157	808,594	2,864	4,314	804,279
158	804,279	2,848	4,330	799,950
159	799,950	2,833	4,345	795,605
160	795,605	2,818	4,360	791,245
161	791,245	2,802	4,376	786,869
162	786,869	2,787	4,391	782,478
163	782,478	2,771	4,407	778,071
164	778,071	2,756	4,422	773,649
165	773,649	2,740	4,438	769,211
166	769,211	2,724	4,454	764,757
167	764,757	2,709	4,470	760,287
168	760,287	2,693	4,485	755,802
169	755,802	2,677	4,501	751,301
170	751,301	2,661	4,517	746,784
171	746,784	2,645	4,533	742,251
172	742,251	2,629	4,549	737,701
173	737,701	2,613	4,565	733,136
174	733,136	2,597	4,582	728,554
175	728,554	2,580	4,598	723,957
176	723,957	2,564	4,614	719,343
177	719,343	2,548	4,630	714,712
178	714,712	2,531	4,647	710,066
179	710,066	2,515	4,663	705,402
180	705,402	2,498	4,680	700,723
181	700,723	2,482	4,696	696,026
182	696,026	2,465	4,713	691,313
183	691,313	2,448	4,730	686,584
184	686,584	2,432	4,746	681,837
185	681,837	2,415	4,763	677,074
186	677,074	2,398	4,780	672,294
187	672,294	2,381	4,797	667,497
188	667,497	2,364	4,814	662,683
189	662,683	2,347	4,831	657,852
190	657,852	2,330	4,848	653,004
191	653,004	2,313	4,865	648,139
192	648,139	2,295	4,883	643,256
193	643,256	2,278	4,900	638,356
194	638,356	2,261	4,917	633,439
195	633,439	2,243	4,935	628,505
196	628,505	2,226	4,952	623,552
197	623,552	2,208	4,970	618,583
198	618,583	2,191	4,987	613,596
199	613,596	2,173	5,005	608,591
200	608,591	2,155	5,023	603,568
201	603,568	2,138	5,040	598,528
202	598,528	2,120	5,058	593,470
203	593,470	2,102	5,076	588,393
204	588,393	2,084	5,094	583,299
205	583,299	2,066	5,112	578,187
206	578,187	2,048	5,130	573,057
207	573,057	2,030	5,148	567,908
208	567,908	2,011	5,167	562,742
209	562,742	1,993	5,185	557,557
210	557,557	1,975	5,203	552,353
211	552,353	1,956	5,222	547,132
212	547,132	1,938	5,240	541,891
213	541,891	1,919	5,259	536,632
214	536,632	1,901	5,277	531,355
215	531,355	1,882	5,296	526,059
216	526,059	1,863	5,315	520,744
217	520,744	1,844	5,334	515,410
218	515,410	1,825	5,353	510,058
219	510,058	1,806	5,372	504,686
220	504,686	1,787	5,391	499,295
221	499,295	1,768	5,410	493,886
222	493,886	1,749	5,429	488,457
223	488,457	1,730	5,448	483,009
224	483,009	1,711	5,467	477,541
225	477,541	1,691	5,487	472,055
226	472,055	1,672	5,506	466,548
227	466,548	1,652	5,526	461,023
228	461,023	1,633	5,545	455,478
229	455,478	1,613	5,565	449,913
230	449,913	1,593	5,585	444,328
231	444,328	1,574	5,604	438,724
232	438,724	1,554	5,624	433,100
233	433,100	1,534	5,644	427,455
234	427,455	1,514	5,664	421,791
235	421,791	1,494	5,684	416,107
236	416,107	1,474	5,704	410,403
237	410,403	1,454	5,725	404,678
238	404,678	1,433	5,745	398,933
239	398,933	1,413	5,765	393,168
240	393,168	1,392	5,786	387,383
241	387,383	1,372	5,806	381,577
242	381,577	1,351	5,827	375,750
243	375,750	1,331	5,847	369,903
244	369,903	1,310	5,868	364,035
245	364,035	1,289	5,889	358,146
246	358,146	1,268	5,910	352,237
247	352,237	1,248	5,931	346,306
248	346,306	1,227	5,952	340,354
249	340,354	1,205	5,973	334,382
250	334,382	1,184	5,994	328,388
251	328,388	1,163	6,015	322,373
252	322,373	1,142	6,036	316,337
253	316,337	1,120	6,058	310,279
254	310,279	1,099	6,079	304,200
255	304,200	1,077	6,101	298,099
256	298,099	1,056	6,122	291,977
257	291,977	1,034	6,144	285,833
258	285,833	1,012	6,166	279,667
259	279,667	990	6,188	273,480
260	273,480	969	6,209	267,270
261	267,270	947	6,231	261,039
262	261,039	925	6,254	254,786
263	254,786	902	6,276	248,510
264	248,510	880	6,298	242,212
265	242,212	858	6,320	235,892
266	235,892	835	6,343	229,549
267	229,549	813	6,365	223,184
268	223,184	790	6,388	216,797
269	216,797	768	6,410	210,386
270	210,386	745	6,433	203,953
271	203,953	722	6,456	197,498
272	197,498	699	6,479	191,019
273	191,019	677	6,502	184,518
274	184,518	654	6,525	177,993
275	177,993	630	6,548	171,445
276	171,445	607	6,571	164,875
277	164,875	584	6,594	158,281
278	158,281	561	6,617	151,663
279	151,663	537	6,641	145,022
280	145,022	514	6,664	138,358
281	138,358	490	6,688	131,670
282	131,670	466	6,712	124,958
283	124,958	443	6,735	118,223
284	118,223	419	6,759	111,463
285	111,463	395	6,783	104,680
286	104,680	371	6,807	97,873
287	97,873	347	6,831	91,041
288	91,041	322	6,856	84,186
289	84,186	298	6,880	77,306
290	77,306	274	6,904	70,402
291	70,402	249	6,929	63,473
292	63,473	225	6,953	56,520
293	56,520	200	6,978	49,542
294	49,542	175	7,003	42,539
295	42,539	151	7,027	35,512
296	35,512	126	7,052	28,460
297	28,460	101	7,077	21,382
298	21,382	76	7,102	14,280
299	14,280	51	7,127	7,153
300	7,153	25	7,153	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.