REIN Investment · Inaura Hotels & Residences Downtown

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 1,805,000

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 1,805,000

Monthly repayment

AED 9,778

Total paid over 25 years

AED 2,933,512

of which interest AED 1,128,512

Total upfront cash

AED 2,049,533 – AED 2,052,533

DepositAED 1,805,000
DLD transfer fee (4% + admin)AED 144,980
Mortgage registration (0.25% + admin)AED 4,803
Bank arrangement feeAED 18,050
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 72,200

Plus life and property insurance, estimated AED 9,025/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 361,000
During construction · 40%AED 1,444,000
Upon Handover · 50%AED 1,805,000

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 1,714,750 — you bring AED 90,250 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,805,000	6,393	3,386	1,801,614
2	1,801,614	6,381	3,398	1,798,217
3	1,798,217	6,369	3,410	1,794,807
4	1,794,807	6,357	3,422	1,791,385
5	1,791,385	6,344	3,434	1,787,951
6	1,787,951	6,332	3,446	1,784,505
7	1,784,505	6,320	3,458	1,781,047
8	1,781,047	6,308	3,470	1,777,577
9	1,777,577	6,296	3,483	1,774,094
10	1,774,094	6,283	3,495	1,770,599
11	1,770,599	6,271	3,508	1,767,091
12	1,767,091	6,258	3,520	1,763,571
13	1,763,571	6,246	3,532	1,760,039
14	1,760,039	6,233	3,545	1,756,494
15	1,756,494	6,221	3,557	1,752,936
16	1,752,936	6,208	3,570	1,749,366
17	1,749,366	6,196	3,583	1,745,784
18	1,745,784	6,183	3,595	1,742,188
19	1,742,188	6,170	3,608	1,738,580
20	1,738,580	6,157	3,621	1,734,959
21	1,734,959	6,145	3,634	1,731,326
22	1,731,326	6,132	3,647	1,727,679
23	1,727,679	6,119	3,660	1,724,019
24	1,724,019	6,106	3,672	1,720,347
25	1,720,347	6,093	3,685	1,716,662
26	1,716,662	6,080	3,699	1,712,963
27	1,712,963	6,067	3,712	1,709,251
28	1,709,251	6,054	3,725	1,705,527
29	1,705,527	6,040	3,738	1,701,789
30	1,701,789	6,027	3,751	1,698,037
31	1,698,037	6,014	3,764	1,694,273
32	1,694,273	6,001	3,778	1,690,495
33	1,690,495	5,987	3,791	1,686,704
34	1,686,704	5,974	3,805	1,682,899
35	1,682,899	5,960	3,818	1,679,081
36	1,679,081	5,947	3,832	1,675,250
37	1,675,250	5,933	3,845	1,671,404
38	1,671,404	5,920	3,859	1,667,546
39	1,667,546	5,906	3,872	1,663,673
40	1,663,673	5,892	3,886	1,659,787
41	1,659,787	5,878	3,900	1,655,887
42	1,655,887	5,865	3,914	1,651,973
43	1,651,973	5,851	3,928	1,648,045
44	1,648,045	5,837	3,942	1,644,104
45	1,644,104	5,823	3,956	1,640,148
46	1,640,148	5,809	3,970	1,636,179
47	1,636,179	5,795	3,984	1,632,195
48	1,632,195	5,781	3,998	1,628,198
49	1,628,198	5,767	4,012	1,624,186
50	1,624,186	5,752	4,026	1,620,160
51	1,620,160	5,738	4,040	1,616,119
52	1,616,119	5,724	4,055	1,612,065
53	1,612,065	5,709	4,069	1,607,996
54	1,607,996	5,695	4,083	1,603,912
55	1,603,912	5,681	4,098	1,599,815
56	1,599,815	5,666	4,112	1,595,702
57	1,595,702	5,651	4,127	1,591,575
58	1,591,575	5,637	4,142	1,587,434
59	1,587,434	5,622	4,156	1,583,278
60	1,583,278	5,607	4,171	1,579,107
61	1,579,107	5,593	4,186	1,574,921
62	1,574,921	5,578	4,201	1,570,720
63	1,570,720	5,563	4,215	1,566,505
64	1,566,505	5,548	4,230	1,562,275
65	1,562,275	5,533	4,245	1,558,029
66	1,558,029	5,518	4,260	1,553,769
67	1,553,769	5,503	4,275	1,549,494
68	1,549,494	5,488	4,291	1,545,203
69	1,545,203	5,473	4,306	1,540,897
70	1,540,897	5,457	4,321	1,536,576
71	1,536,576	5,442	4,336	1,532,240
72	1,532,240	5,427	4,352	1,527,888
73	1,527,888	5,411	4,367	1,523,521
74	1,523,521	5,396	4,383	1,519,138
75	1,519,138	5,380	4,398	1,514,740
76	1,514,740	5,365	4,414	1,510,327
77	1,510,327	5,349	4,429	1,505,897
78	1,505,897	5,333	4,445	1,501,452
79	1,501,452	5,318	4,461	1,496,992
80	1,496,992	5,302	4,477	1,492,515
81	1,492,515	5,286	4,492	1,488,023
82	1,488,023	5,270	4,508	1,483,515
83	1,483,515	5,254	4,524	1,478,990
84	1,478,990	5,238	4,540	1,474,450
85	1,474,450	5,222	4,556	1,469,894
86	1,469,894	5,206	4,572	1,465,321
87	1,465,321	5,190	4,589	1,460,732
88	1,460,732	5,173	4,605	1,456,127
89	1,456,127	5,157	4,621	1,451,506
90	1,451,506	5,141	4,638	1,446,869
91	1,446,869	5,124	4,654	1,442,215
92	1,442,215	5,108	4,671	1,437,544
93	1,437,544	5,091	4,687	1,432,857
94	1,432,857	5,075	4,704	1,428,153
95	1,428,153	5,058	4,720	1,423,433
96	1,423,433	5,041	4,737	1,418,696
97	1,418,696	5,025	4,754	1,413,942
98	1,413,942	5,008	4,771	1,409,171
99	1,409,171	4,991	4,788	1,404,384
100	1,404,384	4,974	4,805	1,399,579
101	1,399,579	4,957	4,822	1,394,758
102	1,394,758	4,940	4,839	1,389,919
103	1,389,919	4,923	4,856	1,385,063
104	1,385,063	4,905	4,873	1,380,191
105	1,380,191	4,888	4,890	1,375,300
106	1,375,300	4,871	4,908	1,370,393
107	1,370,393	4,853	4,925	1,365,468
108	1,365,468	4,836	4,942	1,360,526
109	1,360,526	4,819	4,960	1,355,566
110	1,355,566	4,801	4,977	1,350,588
111	1,350,588	4,783	4,995	1,345,593
112	1,345,593	4,766	5,013	1,340,581
113	1,340,581	4,748	5,030	1,335,550
114	1,335,550	4,730	5,048	1,330,502
115	1,330,502	4,712	5,066	1,325,436
116	1,325,436	4,694	5,084	1,320,351
117	1,320,351	4,676	5,102	1,315,249
118	1,315,249	4,658	5,120	1,310,129
119	1,310,129	4,640	5,138	1,304,991
120	1,304,991	4,622	5,157	1,299,834
121	1,299,834	4,604	5,175	1,294,659
122	1,294,659	4,585	5,193	1,289,466
123	1,289,466	4,567	5,212	1,284,255
124	1,284,255	4,548	5,230	1,279,025
125	1,279,025	4,530	5,248	1,273,776
126	1,273,776	4,511	5,267	1,268,509
127	1,268,509	4,493	5,286	1,263,224
128	1,263,224	4,474	5,304	1,257,919
129	1,257,919	4,455	5,323	1,252,596
130	1,252,596	4,436	5,342	1,247,254
131	1,247,254	4,417	5,361	1,241,893
132	1,241,893	4,398	5,380	1,236,513
133	1,236,513	4,379	5,399	1,231,114
134	1,231,114	4,360	5,418	1,225,696
135	1,225,696	4,341	5,437	1,220,258
136	1,220,258	4,322	5,457	1,214,802
137	1,214,802	4,302	5,476	1,209,326
138	1,209,326	4,283	5,495	1,203,830
139	1,203,830	4,264	5,515	1,198,315
140	1,198,315	4,244	5,534	1,192,781
141	1,192,781	4,224	5,554	1,187,227
142	1,187,227	4,205	5,574	1,181,654
143	1,181,654	4,185	5,593	1,176,060
144	1,176,060	4,165	5,613	1,170,447
145	1,170,447	4,145	5,633	1,164,814
146	1,164,814	4,125	5,653	1,159,161
147	1,159,161	4,105	5,673	1,153,488
148	1,153,488	4,085	5,693	1,147,795
149	1,147,795	4,065	5,713	1,142,082
150	1,142,082	4,045	5,734	1,136,348
151	1,136,348	4,025	5,754	1,130,594
152	1,130,594	4,004	5,774	1,124,820
153	1,124,820	3,984	5,795	1,119,026
154	1,119,026	3,963	5,815	1,113,210
155	1,113,210	3,943	5,836	1,107,375
156	1,107,375	3,922	5,856	1,101,518
157	1,101,518	3,901	5,877	1,095,641
158	1,095,641	3,880	5,898	1,089,743
159	1,089,743	3,860	5,919	1,083,824
160	1,083,824	3,839	5,940	1,077,884
161	1,077,884	3,818	5,961	1,071,923
162	1,071,923	3,796	5,982	1,065,941
163	1,065,941	3,775	6,003	1,059,938
164	1,059,938	3,754	6,024	1,053,914
165	1,053,914	3,733	6,046	1,047,868
166	1,047,868	3,711	6,067	1,041,801
167	1,041,801	3,690	6,089	1,035,712
168	1,035,712	3,668	6,110	1,029,602
169	1,029,602	3,647	6,132	1,023,470
170	1,023,470	3,625	6,154	1,017,317
171	1,017,317	3,603	6,175	1,011,141
172	1,011,141	3,581	6,197	1,004,944
173	1,004,944	3,559	6,219	998,725
174	998,725	3,537	6,241	992,484
175	992,484	3,515	6,263	986,220
176	986,220	3,493	6,286	979,935
177	979,935	3,471	6,308	973,627
178	973,627	3,448	6,330	967,297
179	967,297	3,426	6,353	960,944
180	960,944	3,403	6,375	954,569
181	954,569	3,381	6,398	948,172
182	948,172	3,358	6,420	941,751
183	941,751	3,335	6,443	935,308
184	935,308	3,313	6,466	928,843
185	928,843	3,290	6,489	922,354
186	922,354	3,267	6,512	915,842
187	915,842	3,244	6,535	909,307
188	909,307	3,220	6,558	902,750
189	902,750	3,197	6,581	896,168
190	896,168	3,174	6,604	889,564
191	889,564	3,151	6,628	882,936
192	882,936	3,127	6,651	876,285
193	876,285	3,104	6,675	869,610
194	869,610	3,080	6,699	862,911
195	862,911	3,056	6,722	856,189
196	856,189	3,032	6,746	849,443
197	849,443	3,008	6,770	842,673
198	842,673	2,984	6,794	835,879
199	835,879	2,960	6,818	829,061
200	829,061	2,936	6,842	822,219
201	822,219	2,912	6,866	815,353
202	815,353	2,888	6,891	808,462
203	808,462	2,863	6,915	801,547
204	801,547	2,839	6,940	794,608
205	794,608	2,814	6,964	787,643
206	787,643	2,790	6,989	780,655
207	780,655	2,765	7,014	773,641
208	773,641	2,740	7,038	766,603
209	766,603	2,715	7,063	759,539
210	759,539	2,690	7,088	752,451
211	752,451	2,665	7,113	745,338
212	745,338	2,640	7,139	738,199
213	738,199	2,614	7,164	731,035
214	731,035	2,589	7,189	723,846
215	723,846	2,564	7,215	716,631
216	716,631	2,538	7,240	709,391
217	709,391	2,512	7,266	702,125
218	702,125	2,487	7,292	694,833
219	694,833	2,461	7,318	687,516
220	687,516	2,435	7,343	680,172
221	680,172	2,409	7,369	672,803
222	672,803	2,383	7,396	665,407
223	665,407	2,357	7,422	657,986
224	657,986	2,330	7,448	650,537
225	650,537	2,304	7,474	643,063
226	643,063	2,278	7,501	635,562
227	635,562	2,251	7,527	628,035
228	628,035	2,224	7,554	620,481
229	620,481	2,198	7,581	612,900
230	612,900	2,171	7,608	605,292
231	605,292	2,144	7,635	597,658
232	597,658	2,117	7,662	589,996
233	589,996	2,090	7,689	582,307
234	582,307	2,062	7,716	574,591
235	574,591	2,035	7,743	566,848
236	566,848	2,008	7,771	559,077
237	559,077	1,980	7,798	551,279
238	551,279	1,952	7,826	543,453
239	543,453	1,925	7,854	535,599
240	535,599	1,897	7,881	527,718
241	527,718	1,869	7,909	519,808
242	519,808	1,841	7,937	511,871
243	511,871	1,813	7,965	503,905
244	503,905	1,785	7,994	495,912
245	495,912	1,756	8,022	487,890
246	487,890	1,728	8,050	479,839
247	479,839	1,699	8,079	471,760
248	471,760	1,671	8,108	463,653
249	463,653	1,642	8,136	455,516
250	455,516	1,613	8,165	447,351
251	447,351	1,584	8,194	439,157
252	439,157	1,555	8,223	430,934
253	430,934	1,526	8,252	422,682
254	422,682	1,497	8,281	414,401
255	414,401	1,468	8,311	406,090
256	406,090	1,438	8,340	397,750
257	397,750	1,409	8,370	389,380
258	389,380	1,379	8,399	380,981
259	380,981	1,349	8,429	372,552
260	372,552	1,319	8,459	364,093
261	364,093	1,289	8,489	355,604
262	355,604	1,259	8,519	347,085
263	347,085	1,229	8,549	338,536
264	338,536	1,199	8,579	329,957
265	329,957	1,169	8,610	321,347
266	321,347	1,138	8,640	312,707
267	312,707	1,108	8,671	304,036
268	304,036	1,077	8,702	295,334
269	295,334	1,046	8,732	286,602
270	286,602	1,015	8,763	277,838
271	277,838	984	8,794	269,044
272	269,044	953	8,826	260,219
273	260,219	922	8,857	251,362
274	251,362	890	8,888	242,474
275	242,474	859	8,920	233,554
276	233,554	827	8,951	224,603
277	224,603	795	8,983	215,620
278	215,620	764	9,015	206,605
279	206,605	732	9,047	197,559
280	197,559	700	9,079	188,480
281	188,480	668	9,111	179,369
282	179,369	635	9,143	170,226
283	170,226	603	9,175	161,050
284	161,050	570	9,208	151,842
285	151,842	538	9,241	142,602
286	142,602	505	9,273	133,329
287	133,329	472	9,306	124,022
288	124,022	439	9,339	114,683
289	114,683	406	9,372	105,311
290	105,311	373	9,405	95,906
291	95,906	340	9,439	86,467
292	86,467	306	9,472	76,995
293	76,995	273	9,506	67,489
294	67,489	239	9,539	57,950
295	57,950	205	9,573	48,377
296	48,377	171	9,607	38,770
297	38,770	137	9,641	29,129
298	29,129	103	9,675	19,453
299	19,453	69	9,709	9,744
300	9,744	35	9,744	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.