REIN Investment · Ellington Ocean House

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 4,614,776

Affordability binds: the 50% debt-burden cap on your income limits the repayment before the LTV ceiling does.

Deposit required

AED 44,670,052

Monthly repayment

AED 25,000

Total paid over 25 years

AED 7,500,000

of which interest AED 2,885,224

Total upfront cash

AED 47,690,196 – AED 47,693,196

DepositAED 44,670,052
DLD transfer fee (4% + admin)AED 1,971,973
Mortgage registration (0.25% + admin)AED 11,827
Bank arrangement feeAED 46,148
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 985,697

Plus life and property insurance, estimated AED 43,102/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 5%AED 2,464,241
During construction · 55%AED 27,106,655
Upon Handover · 40%AED 19,713,931

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 23,410,293 — you bring AED 1,232,121 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	4,614,776	16,344	8,656	4,606,120
2	4,606,120	16,313	8,687	4,597,433
3	4,597,433	16,283	8,717	4,588,716
4	4,588,716	16,252	8,748	4,579,968
5	4,579,968	16,221	8,779	4,571,188
6	4,571,188	16,190	8,810	4,562,378
7	4,562,378	16,158	8,842	4,553,536
8	4,553,536	16,127	8,873	4,544,664
9	4,544,664	16,096	8,904	4,535,759
10	4,535,759	16,064	8,936	4,526,823
11	4,526,823	16,032	8,968	4,517,856
12	4,517,856	16,001	8,999	4,508,857
13	4,508,857	15,969	9,031	4,499,825
14	4,499,825	15,937	9,063	4,490,762
15	4,490,762	15,905	9,095	4,481,667
16	4,481,667	15,873	9,127	4,472,540
17	4,472,540	15,840	9,160	4,463,380
18	4,463,380	15,808	9,192	4,454,188
19	4,454,188	15,775	9,225	4,444,963
20	4,444,963	15,743	9,257	4,435,706
21	4,435,706	15,710	9,290	4,426,415
22	4,426,415	15,677	9,323	4,417,092
23	4,417,092	15,644	9,356	4,407,736
24	4,407,736	15,611	9,389	4,398,347
25	4,398,347	15,577	9,423	4,388,924
26	4,388,924	15,544	9,456	4,379,468
27	4,379,468	15,511	9,489	4,369,979
28	4,369,979	15,477	9,523	4,360,456
29	4,360,456	15,443	9,557	4,350,899
30	4,350,899	15,409	9,591	4,341,309
31	4,341,309	15,375	9,625	4,331,684
32	4,331,684	15,341	9,659	4,322,026
33	4,322,026	15,307	9,693	4,312,333
34	4,312,333	15,273	9,727	4,302,606
35	4,302,606	15,238	9,762	4,292,844
36	4,292,844	15,204	9,796	4,283,048
37	4,283,048	15,169	9,831	4,273,217
38	4,273,217	15,134	9,866	4,263,351
39	4,263,351	15,099	9,901	4,253,451
40	4,253,451	15,064	9,936	4,243,515
41	4,243,515	15,029	9,971	4,233,544
42	4,233,544	14,994	10,006	4,223,538
43	4,223,538	14,958	10,042	4,213,496
44	4,213,496	14,923	10,077	4,203,419
45	4,203,419	14,887	10,113	4,193,306
46	4,193,306	14,851	10,149	4,183,157
47	4,183,157	14,815	10,185	4,172,973
48	4,172,973	14,779	10,221	4,162,752
49	4,162,752	14,743	10,257	4,152,495
50	4,152,495	14,707	10,293	4,142,202
51	4,142,202	14,670	10,330	4,131,872
52	4,131,872	14,634	10,366	4,121,506
53	4,121,506	14,597	10,403	4,111,103
54	4,111,103	14,560	10,440	4,100,663
55	4,100,663	14,523	10,477	4,090,186
56	4,090,186	14,486	10,514	4,079,672
57	4,079,672	14,449	10,551	4,069,121
58	4,069,121	14,411	10,589	4,058,533
59	4,058,533	14,374	10,626	4,047,907
60	4,047,907	14,336	10,664	4,037,243
61	4,037,243	14,299	10,701	4,026,542
62	4,026,542	14,261	10,739	4,015,802
63	4,015,802	14,223	10,777	4,005,025
64	4,005,025	14,184	10,816	3,994,209
65	3,994,209	14,146	10,854	3,983,355
66	3,983,355	14,108	10,892	3,972,463
67	3,972,463	14,069	10,931	3,961,532
68	3,961,532	14,030	10,970	3,950,563
69	3,950,563	13,992	11,008	3,939,554
70	3,939,554	13,953	11,047	3,928,507
71	3,928,507	13,913	11,087	3,917,420
72	3,917,420	13,874	11,126	3,906,295
73	3,906,295	13,835	11,165	3,895,129
74	3,895,129	13,795	11,205	3,883,925
75	3,883,925	13,756	11,244	3,872,680
76	3,872,680	13,716	11,284	3,861,396
77	3,861,396	13,676	11,324	3,850,072
78	3,850,072	13,636	11,364	3,838,707
79	3,838,707	13,595	11,405	3,827,303
80	3,827,303	13,555	11,445	3,815,858
81	3,815,858	13,514	11,486	3,804,372
82	3,804,372	13,474	11,526	3,792,846
83	3,792,846	13,433	11,567	3,781,279
84	3,781,279	13,392	11,608	3,769,671
85	3,769,671	13,351	11,649	3,758,022
86	3,758,022	13,310	11,690	3,746,332
87	3,746,332	13,268	11,732	3,734,600
88	3,734,600	13,227	11,773	3,722,827
89	3,722,827	13,185	11,815	3,711,012
90	3,711,012	13,143	11,857	3,699,155
91	3,699,155	13,101	11,899	3,687,256
92	3,687,256	13,059	11,941	3,675,315
93	3,675,315	13,017	11,983	3,663,332
94	3,663,332	12,974	12,026	3,651,306
95	3,651,306	12,932	12,068	3,639,238
96	3,639,238	12,889	12,111	3,627,127
97	3,627,127	12,846	12,154	3,614,973
98	3,614,973	12,803	12,197	3,602,776
99	3,602,776	12,760	12,240	3,590,536
100	3,590,536	12,716	12,284	3,578,252
101	3,578,252	12,673	12,327	3,565,925
102	3,565,925	12,629	12,371	3,553,555
103	3,553,555	12,586	12,414	3,541,140
104	3,541,140	12,542	12,458	3,528,682
105	3,528,682	12,497	12,503	3,516,179
106	3,516,179	12,453	12,547	3,503,632
107	3,503,632	12,409	12,591	3,491,041
108	3,491,041	12,364	12,636	3,478,405
109	3,478,405	12,319	12,681	3,465,724
110	3,465,724	12,274	12,726	3,452,999
111	3,452,999	12,229	12,771	3,440,228
112	3,440,228	12,184	12,816	3,427,412
113	3,427,412	12,139	12,861	3,414,551
114	3,414,551	12,093	12,907	3,401,644
115	3,401,644	12,047	12,953	3,388,692
116	3,388,692	12,002	12,998	3,375,693
117	3,375,693	11,956	13,044	3,362,649
118	3,362,649	11,909	13,091	3,349,558
119	3,349,558	11,863	13,137	3,336,421
120	3,336,421	11,816	13,184	3,323,238
121	3,323,238	11,770	13,230	3,310,008
122	3,310,008	11,723	13,277	3,296,730
123	3,296,730	11,676	13,324	3,283,406
124	3,283,406	11,629	13,371	3,270,035
125	3,270,035	11,581	13,419	3,256,617
126	3,256,617	11,534	13,466	3,243,150
127	3,243,150	11,486	13,514	3,229,637
128	3,229,637	11,438	13,562	3,216,075
129	3,216,075	11,390	13,610	3,202,465
130	3,202,465	11,342	13,658	3,188,807
131	3,188,807	11,294	13,706	3,175,101
132	3,175,101	11,245	13,755	3,161,346
133	3,161,346	11,196	13,804	3,147,542
134	3,147,542	11,148	13,852	3,133,690
135	3,133,690	11,098	13,902	3,119,788
136	3,119,788	11,049	13,951	3,105,838
137	3,105,838	11,000	14,000	3,091,838
138	3,091,838	10,950	14,050	3,077,788
139	3,077,788	10,900	14,100	3,063,688
140	3,063,688	10,851	14,149	3,049,539
141	3,049,539	10,800	14,200	3,035,339
142	3,035,339	10,750	14,250	3,021,089
143	3,021,089	10,700	14,300	3,006,789
144	3,006,789	10,649	14,351	2,992,438
145	2,992,438	10,598	14,402	2,978,036
146	2,978,036	10,547	14,453	2,963,584
147	2,963,584	10,496	14,504	2,949,080
148	2,949,080	10,445	14,555	2,934,524
149	2,934,524	10,393	14,607	2,919,917
150	2,919,917	10,341	14,659	2,905,259
151	2,905,259	10,289	14,711	2,890,548
152	2,890,548	10,237	14,763	2,875,786
153	2,875,786	10,185	14,815	2,860,971
154	2,860,971	10,133	14,867	2,846,103
155	2,846,103	10,080	14,920	2,831,183
156	2,831,183	10,027	14,973	2,816,210
157	2,816,210	9,974	15,026	2,801,184
158	2,801,184	9,921	15,079	2,786,105
159	2,786,105	9,867	15,133	2,770,973
160	2,770,973	9,814	15,186	2,755,787
161	2,755,787	9,760	15,240	2,740,547
162	2,740,547	9,706	15,294	2,725,253
163	2,725,253	9,652	15,348	2,709,905
164	2,709,905	9,598	15,402	2,694,502
165	2,694,502	9,543	15,457	2,679,045
166	2,679,045	9,488	15,512	2,663,534
167	2,663,534	9,433	15,567	2,647,967
168	2,647,967	9,378	15,622	2,632,345
169	2,632,345	9,323	15,677	2,616,668
170	2,616,668	9,267	15,733	2,600,935
171	2,600,935	9,212	15,788	2,585,147
172	2,585,147	9,156	15,844	2,569,303
173	2,569,303	9,100	15,900	2,553,402
174	2,553,402	9,043	15,957	2,537,446
175	2,537,446	8,987	16,013	2,521,433
176	2,521,433	8,930	16,070	2,505,363
177	2,505,363	8,873	16,127	2,489,236
178	2,489,236	8,816	16,184	2,473,052
179	2,473,052	8,759	16,241	2,456,811
180	2,456,811	8,701	16,299	2,440,512
181	2,440,512	8,643	16,357	2,424,155
182	2,424,155	8,586	16,414	2,407,741
183	2,407,741	8,527	16,473	2,391,268
184	2,391,268	8,469	16,531	2,374,737
185	2,374,737	8,411	16,589	2,358,148
186	2,358,148	8,352	16,648	2,341,500
187	2,341,500	8,293	16,707	2,324,792
188	2,324,792	8,234	16,766	2,308,026
189	2,308,026	8,174	16,826	2,291,200
190	2,291,200	8,115	16,885	2,274,315
191	2,274,315	8,055	16,945	2,257,370
192	2,257,370	7,995	17,005	2,240,365
193	2,240,365	7,935	17,065	2,223,299
194	2,223,299	7,874	17,126	2,206,173
195	2,206,173	7,814	17,186	2,188,987
196	2,188,987	7,753	17,247	2,171,740
197	2,171,740	7,692	17,308	2,154,431
198	2,154,431	7,630	17,370	2,137,061
199	2,137,061	7,569	17,431	2,119,630
200	2,119,630	7,507	17,493	2,102,137
201	2,102,137	7,445	17,555	2,084,582
202	2,084,582	7,383	17,617	2,066,965
203	2,066,965	7,321	17,679	2,049,286
204	2,049,286	7,258	17,742	2,031,544
205	2,031,544	7,195	17,805	2,013,739
206	2,013,739	7,132	17,868	1,995,871
207	1,995,871	7,069	17,931	1,977,939
208	1,977,939	7,005	17,995	1,959,945
209	1,959,945	6,941	18,059	1,941,886
210	1,941,886	6,878	18,122	1,923,764
211	1,923,764	6,813	18,187	1,905,577
212	1,905,577	6,749	18,251	1,887,326
213	1,887,326	6,684	18,316	1,869,010
214	1,869,010	6,619	18,381	1,850,629
215	1,850,629	6,554	18,446	1,832,184
216	1,832,184	6,489	18,511	1,813,673
217	1,813,673	6,423	18,577	1,795,096
218	1,795,096	6,358	18,642	1,776,454
219	1,776,454	6,292	18,708	1,757,745
220	1,757,745	6,225	18,775	1,738,971
221	1,738,971	6,159	18,841	1,720,130
222	1,720,130	6,092	18,908	1,701,222
223	1,701,222	6,025	18,975	1,682,247
224	1,682,247	5,958	19,042	1,663,205
225	1,663,205	5,891	19,109	1,644,095
226	1,644,095	5,823	19,177	1,624,918
227	1,624,918	5,755	19,245	1,605,673
228	1,605,673	5,687	19,313	1,586,360
229	1,586,360	5,618	19,382	1,566,978
230	1,566,978	5,550	19,450	1,547,528
231	1,547,528	5,481	19,519	1,528,009
232	1,528,009	5,412	19,588	1,508,421
233	1,508,421	5,342	19,658	1,488,763
234	1,488,763	5,273	19,727	1,469,036
235	1,469,036	5,203	19,797	1,449,238
236	1,449,238	5,133	19,867	1,429,371
237	1,429,371	5,062	19,938	1,409,433
238	1,409,433	4,992	20,008	1,389,425
239	1,389,425	4,921	20,079	1,369,346
240	1,369,346	4,850	20,150	1,349,196
241	1,349,196	4,778	20,222	1,328,974
242	1,328,974	4,707	20,293	1,308,681
243	1,308,681	4,635	20,365	1,288,316
244	1,288,316	4,563	20,437	1,267,879
245	1,267,879	4,490	20,510	1,247,369
246	1,247,369	4,418	20,582	1,226,787
247	1,226,787	4,345	20,655	1,206,132
248	1,206,132	4,272	20,728	1,185,404
249	1,185,404	4,198	20,802	1,164,602
250	1,164,602	4,125	20,875	1,143,726
251	1,143,726	4,051	20,949	1,122,777
252	1,122,777	3,977	21,023	1,101,754
253	1,101,754	3,902	21,098	1,080,656
254	1,080,656	3,827	21,173	1,059,483
255	1,059,483	3,752	21,248	1,038,235
256	1,038,235	3,677	21,323	1,016,912
257	1,016,912	3,602	21,398	995,514
258	995,514	3,526	21,474	974,040
259	974,040	3,450	21,550	952,489
260	952,489	3,373	21,627	930,863
261	930,863	3,297	21,703	909,160
262	909,160	3,220	21,780	887,380
263	887,380	3,143	21,857	865,522
264	865,522	3,065	21,935	843,588
265	843,588	2,988	22,012	821,576
266	821,576	2,910	22,090	799,485
267	799,485	2,832	22,168	777,317
268	777,317	2,753	22,247	755,070
269	755,070	2,674	22,326	732,744
270	732,744	2,595	22,405	710,339
271	710,339	2,516	22,484	687,855
272	687,855	2,436	22,564	665,291
273	665,291	2,356	22,644	642,647
274	642,647	2,276	22,724	619,923
275	619,923	2,196	22,804	597,119
276	597,119	2,115	22,885	574,234
277	574,234	2,034	22,966	551,267
278	551,267	1,952	23,048	528,220
279	528,220	1,871	23,129	505,091
280	505,091	1,789	23,211	481,880
281	481,880	1,707	23,293	458,586
282	458,586	1,624	23,376	435,210
283	435,210	1,541	23,459	411,752
284	411,752	1,458	23,542	388,210
285	388,210	1,375	23,625	364,585
286	364,585	1,291	23,709	340,876
287	340,876	1,207	23,793	317,083
288	317,083	1,123	23,877	293,206
289	293,206	1,038	23,962	269,245
290	269,245	954	24,046	245,198
291	245,198	868	24,132	221,067
292	221,067	783	24,217	196,850
293	196,850	697	24,303	172,547
294	172,547	611	24,389	148,158
295	148,158	525	24,475	123,683
296	123,683	438	24,562	99,121
297	99,121	351	24,649	74,472
298	74,472	264	24,736	49,736
299	49,736	176	24,824	24,912
300	24,912	88	24,912	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.