REIN Investment · Franck Muller Vanguard

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 863,944

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 863,944

Monthly repayment

AED 4,680

Total paid over 25 years

AED 1,404,094

of which interest AED 540,150

Total upfront cash

AED 983,787 – AED 986,787

DepositAED 863,944
DLD transfer fee (4% + admin)AED 69,696
Mortgage registration (0.25% + admin)AED 2,450
Bank arrangement feeAED 8,639
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 34,558

Plus life and property insurance, estimated AED 4,320/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 345,578
During construction · 10%AED 172,789
Upon Handover · 70%AED 1,209,522

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 820,747 — you bring AED 43,197 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	863,944	3,060	1,621	862,323
2	862,323	3,054	1,626	860,697
3	860,697	3,048	1,632	859,065
4	859,065	3,043	1,638	857,427
5	857,427	3,037	1,644	855,784
6	855,784	3,031	1,649	854,134
7	854,134	3,025	1,655	852,479
8	852,479	3,019	1,661	850,818
9	850,818	3,013	1,667	849,151
10	849,151	3,007	1,673	847,478
11	847,478	3,001	1,679	845,799
12	845,799	2,996	1,685	844,115
13	844,115	2,990	1,691	842,424
14	842,424	2,984	1,697	840,727
15	840,727	2,978	1,703	839,024
16	839,024	2,972	1,709	837,316
17	837,316	2,965	1,715	835,601
18	835,601	2,959	1,721	833,880
19	833,880	2,953	1,727	832,153
20	832,153	2,947	1,733	830,420
21	830,420	2,941	1,739	828,681
22	828,681	2,935	1,745	826,935
23	826,935	2,929	1,752	825,184
24	825,184	2,923	1,758	823,426
25	823,426	2,916	1,764	821,662
26	821,662	2,910	1,770	819,891
27	819,891	2,904	1,777	818,115
28	818,115	2,897	1,783	816,332
29	816,332	2,891	1,789	814,543
30	814,543	2,885	1,795	812,747
31	812,747	2,878	1,802	810,946
32	810,946	2,872	1,808	809,137
33	809,137	2,866	1,815	807,323
34	807,323	2,859	1,821	805,502
35	805,502	2,853	1,827	803,674
36	803,674	2,846	1,834	801,840
37	801,840	2,840	1,840	800,000
38	800,000	2,833	1,847	798,153
39	798,153	2,827	1,854	796,299
40	796,299	2,820	1,860	794,439
41	794,439	2,814	1,867	792,573
42	792,573	2,807	1,873	790,699
43	790,699	2,800	1,880	788,819
44	788,819	2,794	1,887	786,933
45	786,933	2,787	1,893	785,040
46	785,040	2,780	1,900	783,140
47	783,140	2,774	1,907	781,233
48	781,233	2,767	1,913	779,319
49	779,319	2,760	1,920	777,399
50	777,399	2,753	1,927	775,472
51	775,472	2,746	1,934	773,538
52	773,538	2,740	1,941	771,598
53	771,598	2,733	1,948	769,650
54	769,650	2,726	1,954	767,696
55	767,696	2,719	1,961	765,734
56	765,734	2,712	1,968	763,766
57	763,766	2,705	1,975	761,791
58	761,791	2,698	1,982	759,808
59	759,808	2,691	1,989	757,819
60	757,819	2,684	1,996	755,823
61	755,823	2,677	2,003	753,819
62	753,819	2,670	2,011	751,809
63	751,809	2,663	2,018	749,791
64	749,791	2,656	2,025	747,766
65	747,766	2,648	2,032	745,734
66	745,734	2,641	2,039	743,695
67	743,695	2,634	2,046	741,649
68	741,649	2,627	2,054	739,595
69	739,595	2,619	2,061	737,534
70	737,534	2,612	2,068	735,466
71	735,466	2,605	2,076	733,390
72	733,390	2,597	2,083	731,307
73	731,307	2,590	2,090	729,217
74	729,217	2,583	2,098	727,119
75	727,119	2,575	2,105	725,014
76	725,014	2,568	2,113	722,902
77	722,902	2,560	2,120	720,782
78	720,782	2,553	2,128	718,654
79	718,654	2,545	2,135	716,519
80	716,519	2,538	2,143	714,376
81	714,376	2,530	2,150	712,226
82	712,226	2,522	2,158	710,068
83	710,068	2,515	2,165	707,903
84	707,903	2,507	2,173	705,730
85	705,730	2,499	2,181	703,549
86	703,549	2,492	2,189	701,360
87	701,360	2,484	2,196	699,164
88	699,164	2,476	2,204	696,960
89	696,960	2,468	2,212	694,748
90	694,748	2,461	2,220	692,528
91	692,528	2,453	2,228	690,301
92	690,301	2,445	2,235	688,065
93	688,065	2,437	2,243	685,822
94	685,822	2,429	2,251	683,570
95	683,570	2,421	2,259	681,311
96	681,311	2,413	2,267	679,044
97	679,044	2,405	2,275	676,768
98	676,768	2,397	2,283	674,485
99	674,485	2,389	2,292	672,193
100	672,193	2,381	2,300	669,894
101	669,894	2,373	2,308	667,586
102	667,586	2,364	2,316	665,270
103	665,270	2,356	2,324	662,946
104	662,946	2,348	2,332	660,613
105	660,613	2,340	2,341	658,273
106	658,273	2,331	2,349	655,924
107	655,924	2,323	2,357	653,567
108	653,567	2,315	2,366	651,201
109	651,201	2,306	2,374	648,827
110	648,827	2,298	2,382	646,445
111	646,445	2,289	2,391	644,054
112	644,054	2,281	2,399	641,655
113	641,655	2,273	2,408	639,247
114	639,247	2,264	2,416	636,830
115	636,830	2,255	2,425	634,406
116	634,406	2,247	2,433	631,972
117	631,972	2,238	2,442	629,530
118	629,530	2,230	2,451	627,079
119	627,079	2,221	2,459	624,620
120	624,620	2,212	2,468	622,152
121	622,152	2,203	2,477	619,675
122	619,675	2,195	2,486	617,189
123	617,189	2,186	2,494	614,695
124	614,695	2,177	2,503	612,192
125	612,192	2,168	2,512	609,679
126	609,679	2,159	2,521	607,158
127	607,158	2,150	2,530	604,628
128	604,628	2,141	2,539	602,090
129	602,090	2,132	2,548	599,542
130	599,542	2,123	2,557	596,985
131	596,985	2,114	2,566	594,419
132	594,419	2,105	2,575	591,844
133	591,844	2,096	2,584	589,259
134	589,259	2,087	2,593	586,666
135	586,666	2,078	2,603	584,064
136	584,064	2,069	2,612	581,452
137	581,452	2,059	2,621	578,831
138	578,831	2,050	2,630	576,201
139	576,201	2,041	2,640	573,561
140	573,561	2,031	2,649	570,912
141	570,912	2,022	2,658	568,254
142	568,254	2,013	2,668	565,586
143	565,586	2,003	2,677	562,909
144	562,909	1,994	2,687	560,222
145	560,222	1,984	2,696	557,526
146	557,526	1,975	2,706	554,820
147	554,820	1,965	2,715	552,105
148	552,105	1,955	2,725	549,380
149	549,380	1,946	2,735	546,645
150	546,645	1,936	2,744	543,901
151	543,901	1,926	2,754	541,147
152	541,147	1,917	2,764	538,383
153	538,383	1,907	2,774	535,610
154	535,610	1,897	2,783	532,826
155	532,826	1,887	2,793	530,033
156	530,033	1,877	2,803	527,230
157	527,230	1,867	2,813	524,417
158	524,417	1,857	2,823	521,594
159	521,594	1,847	2,833	518,761
160	518,761	1,837	2,843	515,918
161	515,918	1,827	2,853	513,065
162	513,065	1,817	2,863	510,202
163	510,202	1,807	2,873	507,328
164	507,328	1,797	2,884	504,445
165	504,445	1,787	2,894	501,551
166	501,551	1,776	2,904	498,647
167	498,647	1,766	2,914	495,733
168	495,733	1,756	2,925	492,808
169	492,808	1,745	2,935	489,873
170	489,873	1,735	2,945	486,928
171	486,928	1,725	2,956	483,972
172	483,972	1,714	2,966	481,006
173	481,006	1,704	2,977	478,029
174	478,029	1,693	2,987	475,042
175	475,042	1,682	2,998	472,044
176	472,044	1,672	3,008	469,035
177	469,035	1,661	3,019	466,016
178	466,016	1,650	3,030	462,986
179	462,986	1,640	3,041	459,946
180	459,946	1,629	3,051	456,894
181	456,894	1,618	3,062	453,832
182	453,832	1,607	3,073	450,759
183	450,759	1,596	3,084	447,675
184	447,675	1,586	3,095	444,581
185	444,581	1,575	3,106	441,475
186	441,475	1,564	3,117	438,358
187	438,358	1,553	3,128	435,230
188	435,230	1,541	3,139	432,091
189	432,091	1,530	3,150	428,941
190	428,941	1,519	3,161	425,780
191	425,780	1,508	3,172	422,608
192	422,608	1,497	3,184	419,424
193	419,424	1,485	3,195	416,230
194	416,230	1,474	3,206	413,023
195	413,023	1,463	3,218	409,806
196	409,806	1,451	3,229	406,577
197	406,577	1,440	3,240	403,337
198	403,337	1,428	3,252	400,085
199	400,085	1,417	3,263	396,821
200	396,821	1,405	3,275	393,546
201	393,546	1,394	3,287	390,260
202	390,260	1,382	3,298	386,962
203	386,962	1,370	3,310	383,652
204	383,652	1,359	3,322	380,330
205	380,330	1,347	3,333	376,997
206	376,997	1,335	3,345	373,652
207	373,652	1,323	3,357	370,295
208	370,295	1,311	3,369	366,926
209	366,926	1,300	3,381	363,545
210	363,545	1,288	3,393	360,153
211	360,153	1,276	3,405	356,748
212	356,748	1,263	3,417	353,331
213	353,331	1,251	3,429	349,902
214	349,902	1,239	3,441	346,461
215	346,461	1,227	3,453	343,008
216	343,008	1,215	3,465	339,542
217	339,542	1,203	3,478	336,065
218	336,065	1,190	3,490	332,574
219	332,574	1,178	3,502	329,072
220	329,072	1,165	3,515	325,557
221	325,557	1,153	3,527	322,030
222	322,030	1,141	3,540	318,490
223	318,490	1,128	3,552	314,938
224	314,938	1,115	3,565	311,373
225	311,373	1,103	3,578	307,795
226	307,795	1,090	3,590	304,205
227	304,205	1,077	3,603	300,602
228	300,602	1,065	3,616	296,986
229	296,986	1,052	3,628	293,358
230	293,358	1,039	3,641	289,717
231	289,717	1,026	3,654	286,062
232	286,062	1,013	3,667	282,395
233	282,395	1,000	3,680	278,715
234	278,715	987	3,693	275,022
235	275,022	974	3,706	271,316
236	271,316	961	3,719	267,596
237	267,596	948	3,733	263,864
238	263,864	935	3,746	260,118
239	260,118	921	3,759	256,359
240	256,359	908	3,772	252,586
241	252,586	895	3,786	248,801
242	248,801	881	3,799	245,002
243	245,002	868	3,813	241,189
244	241,189	854	3,826	237,363
245	237,363	841	3,840	233,523
246	233,523	827	3,853	229,670
247	229,670	813	3,867	225,803
248	225,803	800	3,881	221,922
249	221,922	786	3,894	218,028
250	218,028	772	3,908	214,120
251	214,120	758	3,922	210,198
252	210,198	744	3,936	206,262
253	206,262	731	3,950	202,312
254	202,312	717	3,964	198,349
255	198,349	702	3,978	194,371
256	194,371	688	3,992	190,379
257	190,379	674	4,006	186,373
258	186,373	660	4,020	182,352
259	182,352	646	4,034	178,318
260	178,318	632	4,049	174,269
261	174,269	617	4,063	170,206
262	170,206	603	4,078	166,129
263	166,129	588	4,092	162,037
264	162,037	574	4,106	157,930
265	157,930	559	4,121	153,809
266	153,809	545	4,136	149,674
267	149,674	530	4,150	145,523
268	145,523	515	4,165	141,359
269	141,359	501	4,180	137,179
270	137,179	486	4,194	132,984
271	132,984	471	4,209	128,775
272	128,775	456	4,224	124,551
273	124,551	441	4,239	120,312
274	120,312	426	4,254	116,057
275	116,057	411	4,269	111,788
276	111,788	396	4,284	107,504
277	107,504	381	4,300	103,204
278	103,204	366	4,315	98,889
279	98,889	350	4,330	94,559
280	94,559	335	4,345	90,214
281	90,214	320	4,361	85,853
282	85,853	304	4,376	81,477
283	81,477	289	4,392	77,085
284	77,085	273	4,407	72,678
285	72,678	257	4,423	68,255
286	68,255	242	4,439	63,816
287	63,816	226	4,454	59,362
288	59,362	210	4,470	54,892
289	54,892	194	4,486	50,406
290	50,406	179	4,502	45,904
291	45,904	163	4,518	41,386
292	41,386	147	4,534	36,853
293	36,853	131	4,550	32,303
294	32,303	114	4,566	27,737
295	27,737	98	4,582	23,155
296	23,155	82	4,598	18,557
297	18,557	66	4,615	13,942
298	13,942	49	4,631	9,311
299	9,311	33	4,647	4,664
300	4,664	17	4,664	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.