REIN Investment · Hillsedge

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 924,444

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 924,444

Monthly repayment

AED 5,008

Total paid over 25 years

AED 1,502,420

of which interest AED 577,976

Total upfront cash

AED 1,052,303 – AED 1,055,303

DepositAED 924,444
DLD transfer fee (4% + admin)AED 74,536
Mortgage registration (0.25% + admin)AED 2,601
Bank arrangement feeAED 9,244
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 36,978

Plus life and property insurance, estimated AED 4,622/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 184,889
During construction · 70%AED 1,294,222
Upon Handover · 20%AED 369,778

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 878,222 — you bring AED 46,222 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	924,444	3,274	1,734	922,710
2	922,710	3,268	1,740	920,970
3	920,970	3,262	1,746	919,224
4	919,224	3,256	1,752	917,471
5	917,471	3,249	1,759	915,712
6	915,712	3,243	1,765	913,947
7	913,947	3,237	1,771	912,176
8	912,176	3,231	1,777	910,399
9	910,399	3,224	1,784	908,615
10	908,615	3,218	1,790	906,825
11	906,825	3,212	1,796	905,029
12	905,029	3,205	1,803	903,226
13	903,226	3,199	1,809	901,417
14	901,417	3,193	1,816	899,601
15	899,601	3,186	1,822	897,779
16	897,779	3,180	1,828	895,951
17	895,951	3,173	1,835	894,116
18	894,116	3,167	1,841	892,275
19	892,275	3,160	1,848	890,427
20	890,427	3,154	1,854	888,572
21	888,572	3,147	1,861	886,711
22	886,711	3,140	1,868	884,843
23	884,843	3,134	1,874	882,969
24	882,969	3,127	1,881	881,088
25	881,088	3,121	1,888	879,201
26	879,201	3,114	1,894	877,307
27	877,307	3,107	1,901	875,406
28	875,406	3,100	1,908	873,498
29	873,498	3,094	1,914	871,584
30	871,584	3,087	1,921	869,662
31	869,662	3,080	1,928	867,734
32	867,734	3,073	1,935	865,799
33	865,799	3,066	1,942	863,858
34	863,858	3,059	1,949	861,909
35	861,909	3,053	1,955	859,954
36	859,954	3,046	1,962	857,991
37	857,991	3,039	1,969	856,022
38	856,022	3,032	1,976	854,046
39	854,046	3,025	1,983	852,062
40	852,062	3,018	1,990	850,072
41	850,072	3,011	1,997	848,075
42	848,075	3,004	2,004	846,070
43	846,070	2,996	2,012	844,059
44	844,059	2,989	2,019	842,040
45	842,040	2,982	2,026	840,014
46	840,014	2,975	2,033	837,981
47	837,981	2,968	2,040	835,941
48	835,941	2,961	2,047	833,893
49	833,893	2,953	2,055	831,839
50	831,839	2,946	2,062	829,777
51	829,777	2,939	2,069	827,707
52	827,707	2,931	2,077	825,631
53	825,631	2,924	2,084	823,547
54	823,547	2,917	2,091	821,456
55	821,456	2,909	2,099	819,357
56	819,357	2,902	2,106	817,251
57	817,251	2,894	2,114	815,137
58	815,137	2,887	2,121	813,016
59	813,016	2,879	2,129	810,887
60	810,887	2,872	2,136	808,751
61	808,751	2,864	2,144	806,607
62	806,607	2,857	2,151	804,456
63	804,456	2,849	2,159	802,297
64	802,297	2,841	2,167	800,130
65	800,130	2,834	2,174	797,956
66	797,956	2,826	2,182	795,774
67	795,774	2,818	2,190	793,585
68	793,585	2,811	2,197	791,387
69	791,387	2,803	2,205	789,182
70	789,182	2,795	2,213	786,969
71	786,969	2,787	2,221	784,748
72	784,748	2,779	2,229	782,519
73	782,519	2,771	2,237	780,282
74	780,282	2,764	2,245	778,038
75	778,038	2,756	2,253	775,785
76	775,785	2,748	2,260	773,525
77	773,525	2,740	2,268	771,256
78	771,256	2,732	2,277	768,980
79	768,980	2,723	2,285	766,695
80	766,695	2,715	2,293	764,403
81	764,403	2,707	2,301	762,102
82	762,102	2,699	2,309	759,793
83	759,793	2,691	2,317	757,476
84	757,476	2,683	2,325	755,150
85	755,150	2,674	2,334	752,817
86	752,817	2,666	2,342	750,475
87	750,475	2,658	2,350	748,125
88	748,125	2,650	2,358	745,766
89	745,766	2,641	2,367	743,400
90	743,400	2,633	2,375	741,024
91	741,024	2,624	2,384	738,641
92	738,641	2,616	2,392	736,249
93	736,249	2,608	2,401	733,848
94	733,848	2,599	2,409	731,439
95	731,439	2,591	2,418	729,022
96	729,022	2,582	2,426	726,596
97	726,596	2,573	2,435	724,161
98	724,161	2,565	2,443	721,717
99	721,717	2,556	2,452	719,266
100	719,266	2,547	2,461	716,805
101	716,805	2,539	2,469	714,335
102	714,335	2,530	2,478	711,857
103	711,857	2,521	2,487	709,370
104	709,370	2,512	2,496	706,875
105	706,875	2,504	2,505	704,370
106	704,370	2,495	2,513	701,857
107	701,857	2,486	2,522	699,334
108	699,334	2,477	2,531	696,803
109	696,803	2,468	2,540	694,263
110	694,263	2,459	2,549	691,714
111	691,714	2,450	2,558	689,155
112	689,155	2,441	2,567	686,588
113	686,588	2,432	2,576	684,012
114	684,012	2,423	2,586	681,426
115	681,426	2,413	2,595	678,832
116	678,832	2,404	2,604	676,228
117	676,228	2,395	2,613	673,615
118	673,615	2,386	2,622	670,992
119	670,992	2,376	2,632	668,361
120	668,361	2,367	2,641	665,720
121	665,720	2,358	2,650	663,069
122	663,069	2,348	2,660	660,410
123	660,410	2,339	2,669	657,741
124	657,741	2,329	2,679	655,062
125	655,062	2,320	2,688	652,374
126	652,374	2,310	2,698	649,676
127	649,676	2,301	2,707	646,969
128	646,969	2,291	2,717	644,253
129	644,253	2,282	2,726	641,526
130	641,526	2,272	2,736	638,790
131	638,790	2,262	2,746	636,044
132	636,044	2,253	2,755	633,289
133	633,289	2,243	2,765	630,524
134	630,524	2,233	2,775	627,749
135	627,749	2,223	2,785	624,964
136	624,964	2,213	2,795	622,170
137	622,170	2,204	2,805	619,365
138	619,365	2,194	2,814	616,550
139	616,550	2,184	2,824	613,726
140	613,726	2,174	2,834	610,892
141	610,892	2,164	2,844	608,047
142	608,047	2,154	2,855	605,193
143	605,193	2,143	2,865	602,328
144	602,328	2,133	2,875	599,453
145	599,453	2,123	2,885	596,568
146	596,568	2,113	2,895	593,673
147	593,673	2,103	2,905	590,767
148	590,767	2,092	2,916	587,852
149	587,852	2,082	2,926	584,925
150	584,925	2,072	2,936	581,989
151	581,989	2,061	2,947	579,042
152	579,042	2,051	2,957	576,085
153	576,085	2,040	2,968	573,117
154	573,117	2,030	2,978	570,139
155	570,139	2,019	2,989	567,150
156	567,150	2,009	2,999	564,151
157	564,151	1,998	3,010	561,141
158	561,141	1,987	3,021	558,120
159	558,120	1,977	3,031	555,089
160	555,089	1,966	3,042	552,046
161	552,046	1,955	3,053	548,993
162	548,993	1,944	3,064	545,930
163	545,930	1,934	3,075	542,855
164	542,855	1,923	3,085	539,770
165	539,770	1,912	3,096	536,673
166	536,673	1,901	3,107	533,566
167	533,566	1,890	3,118	530,448
168	530,448	1,879	3,129	527,318
169	527,318	1,868	3,140	524,178
170	524,178	1,856	3,152	521,026
171	521,026	1,845	3,163	517,863
172	517,863	1,834	3,174	514,689
173	514,689	1,823	3,185	511,504
174	511,504	1,812	3,196	508,308
175	508,308	1,800	3,208	505,100
176	505,100	1,789	3,219	501,881
177	501,881	1,777	3,231	498,650
178	498,650	1,766	3,242	495,408
179	495,408	1,755	3,253	492,155
180	492,155	1,743	3,265	488,890
181	488,890	1,731	3,277	485,613
182	485,613	1,720	3,288	482,325
183	482,325	1,708	3,300	479,025
184	479,025	1,697	3,312	475,714
185	475,714	1,685	3,323	472,390
186	472,390	1,673	3,335	469,055
187	469,055	1,661	3,347	465,708
188	465,708	1,649	3,359	462,350
189	462,350	1,637	3,371	458,979
190	458,979	1,626	3,383	455,597
191	455,597	1,614	3,394	452,202
192	452,202	1,602	3,407	448,796
193	448,796	1,589	3,419	445,377
194	445,377	1,577	3,431	441,946
195	441,946	1,565	3,443	438,504
196	438,504	1,553	3,455	435,049
197	435,049	1,541	3,467	431,581
198	431,581	1,529	3,480	428,102
199	428,102	1,516	3,492	424,610
200	424,610	1,504	3,504	421,106
201	421,106	1,491	3,517	417,589
202	417,589	1,479	3,529	414,060
203	414,060	1,466	3,542	410,518
204	410,518	1,454	3,554	406,964
205	406,964	1,441	3,567	403,397
206	403,397	1,429	3,579	399,818
207	399,818	1,416	3,592	396,226
208	396,226	1,403	3,605	392,621
209	392,621	1,391	3,618	389,004
210	389,004	1,378	3,630	385,373
211	385,373	1,365	3,643	381,730
212	381,730	1,352	3,656	378,074
213	378,074	1,339	3,669	374,405
214	374,405	1,326	3,682	370,723
215	370,723	1,313	3,695	367,028
216	367,028	1,300	3,708	363,320
217	363,320	1,287	3,721	359,598
218	359,598	1,274	3,734	355,864
219	355,864	1,260	3,748	352,116
220	352,116	1,247	3,761	348,355
221	348,355	1,234	3,774	344,581
222	344,581	1,220	3,788	340,793
223	340,793	1,207	3,801	336,992
224	336,992	1,194	3,815	333,178
225	333,178	1,180	3,828	329,349
226	329,349	1,166	3,842	325,508
227	325,508	1,153	3,855	321,653
228	321,653	1,139	3,869	317,784
229	317,784	1,125	3,883	313,901
230	313,901	1,112	3,896	310,005
231	310,005	1,098	3,910	306,095
232	306,095	1,084	3,924	302,171
233	302,171	1,070	3,938	298,233
234	298,233	1,056	3,952	294,281
235	294,281	1,042	3,966	290,315
236	290,315	1,028	3,980	286,335
237	286,335	1,014	3,994	282,341
238	282,341	1,000	4,008	278,333
239	278,333	986	4,022	274,311
240	274,311	972	4,037	270,274
241	270,274	957	4,051	266,224
242	266,224	943	4,065	262,158
243	262,158	928	4,080	258,079
244	258,079	914	4,094	253,985
245	253,985	900	4,109	249,876
246	249,876	885	4,123	245,753
247	245,753	870	4,138	241,615
248	241,615	856	4,152	237,463
249	237,463	841	4,167	233,296
250	233,296	826	4,182	229,114
251	229,114	811	4,197	224,918
252	224,918	797	4,211	220,706
253	220,706	782	4,226	216,480
254	216,480	767	4,241	212,238
255	212,238	752	4,256	207,982
256	207,982	737	4,271	203,711
257	203,711	721	4,287	199,424
258	199,424	706	4,302	195,122
259	195,122	691	4,317	190,805
260	190,805	676	4,332	186,473
261	186,473	660	4,348	182,125
262	182,125	645	4,363	177,762
263	177,762	630	4,378	173,384
264	173,384	614	4,394	168,990
265	168,990	599	4,410	164,580
266	164,580	583	4,425	160,155
267	160,155	567	4,441	155,714
268	155,714	551	4,457	151,258
269	151,258	536	4,472	146,785
270	146,785	520	4,488	142,297
271	142,297	504	4,504	137,793
272	137,793	488	4,520	133,273
273	133,273	472	4,536	128,737
274	128,737	456	4,552	124,185
275	124,185	440	4,568	119,616
276	119,616	424	4,584	115,032
277	115,032	407	4,601	110,431
278	110,431	391	4,617	105,814
279	105,814	375	4,633	101,181
280	101,181	358	4,650	96,531
281	96,531	342	4,666	91,865
282	91,865	325	4,683	87,182
283	87,182	309	4,699	82,483
284	82,483	292	4,716	77,767
285	77,767	275	4,733	73,035
286	73,035	259	4,749	68,285
287	68,285	242	4,766	63,519
288	63,519	225	4,783	58,736
289	58,736	208	4,800	53,936
290	53,936	191	4,817	49,119
291	49,119	174	4,834	44,285
292	44,285	157	4,851	39,433
293	39,433	140	4,868	34,565
294	34,565	122	4,886	29,679
295	29,679	105	4,903	24,776
296	24,776	88	4,920	19,856
297	19,856	70	4,938	14,918
298	14,918	53	4,955	9,963
299	9,963	35	4,973	4,990
300	4,990	18	4,990	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.