REIN Investment · Laguna Residence

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 396,000

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 396,000

Monthly repayment

AED 2,145

Total paid over 25 years

AED 643,585

of which interest AED 247,585

Total upfront cash

AED 453,840 – AED 456,840

DepositAED 396,000
DLD transfer fee (4% + admin)AED 32,260
Mortgage registration (0.25% + admin)AED 1,280
Bank arrangement feeAED 3,960
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 15,840

Plus life and property insurance, estimated AED 1,980/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 158,400
During construction · 30%AED 237,600
Upon Handover · 50%AED 396,000

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 376,200 — you bring AED 19,800 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	396,000	1,403	743	395,257
2	395,257	1,400	745	394,512
3	394,512	1,397	748	393,764
4	393,764	1,395	751	393,013
5	393,013	1,392	753	392,260
6	392,260	1,389	756	391,504
7	391,504	1,387	759	390,745
8	390,745	1,384	761	389,984
9	389,984	1,381	764	389,219
10	389,219	1,378	767	388,453
11	388,453	1,376	770	387,683
12	387,683	1,373	772	386,911
13	386,911	1,370	775	386,136
14	386,136	1,368	778	385,358
15	385,358	1,365	780	384,578
16	384,578	1,362	783	383,795
17	383,795	1,359	786	383,009
18	383,009	1,356	789	382,220
19	382,220	1,354	792	381,428
20	381,428	1,351	794	380,634
21	380,634	1,348	797	379,837
22	379,837	1,345	800	379,036
23	379,036	1,342	803	378,234
24	378,234	1,340	806	377,428
25	377,428	1,337	809	376,619
26	376,619	1,334	811	375,808
27	375,808	1,331	814	374,994
28	374,994	1,328	817	374,176
29	374,176	1,325	820	373,356
30	373,356	1,322	823	372,533
31	372,533	1,319	826	371,708
32	371,708	1,316	829	370,879
33	370,879	1,314	832	370,047
34	370,047	1,311	835	369,212
35	369,212	1,308	838	368,375
36	368,375	1,305	841	367,534
37	367,534	1,302	844	366,690
38	366,690	1,299	847	365,844
39	365,844	1,296	850	364,994
40	364,994	1,293	853	364,142
41	364,142	1,290	856	363,286
42	363,286	1,287	859	362,427
43	362,427	1,284	862	361,566
44	361,566	1,281	865	360,701
45	360,701	1,277	868	359,833
46	359,833	1,274	871	358,962
47	358,962	1,271	874	358,088
48	358,088	1,268	877	357,211
49	357,211	1,265	880	356,331
50	356,331	1,262	883	355,448
51	355,448	1,259	886	354,561
52	354,561	1,256	890	353,672
53	353,672	1,253	893	352,779
54	352,779	1,249	896	351,883
55	351,883	1,246	899	350,984
56	350,984	1,243	902	350,082
57	350,082	1,240	905	349,177
58	349,177	1,237	909	348,268
59	348,268	1,233	912	347,356
60	347,356	1,230	915	346,441
61	346,441	1,227	918	345,523
62	345,523	1,224	922	344,601
63	344,601	1,220	925	343,676
64	343,676	1,217	928	342,748
65	342,748	1,214	931	341,817
66	341,817	1,211	935	340,882
67	340,882	1,207	938	339,944
68	339,944	1,204	941	339,003
69	339,003	1,201	945	338,058
70	338,058	1,197	948	337,110
71	337,110	1,194	951	336,159
72	336,159	1,191	955	335,204
73	335,204	1,187	958	334,246
74	334,246	1,184	961	333,285
75	333,285	1,180	965	332,320
76	332,320	1,177	968	331,351
77	331,351	1,174	972	330,380
78	330,380	1,170	975	329,405
79	329,405	1,167	979	328,426
80	328,426	1,163	982	327,444
81	327,444	1,160	986	326,458
82	326,458	1,156	989	325,469
83	325,469	1,153	993	324,477
84	324,477	1,149	996	323,480
85	323,480	1,146	1,000	322,481
86	322,481	1,142	1,003	321,478
87	321,478	1,139	1,007	320,471
88	320,471	1,135	1,010	319,461
89	319,461	1,131	1,014	318,447
90	318,447	1,128	1,017	317,429
91	317,429	1,124	1,021	316,408
92	316,408	1,121	1,025	315,384
93	315,384	1,117	1,028	314,355
94	314,355	1,113	1,032	313,323
95	313,323	1,110	1,036	312,288
96	312,288	1,106	1,039	311,249
97	311,249	1,102	1,043	310,206
98	310,206	1,099	1,047	309,159
99	309,159	1,095	1,050	308,109
100	308,109	1,091	1,054	307,055
101	307,055	1,087	1,058	305,997
102	305,997	1,084	1,062	304,935
103	304,935	1,080	1,065	303,870
104	303,870	1,076	1,069	302,801
105	302,801	1,072	1,073	301,728
106	301,728	1,069	1,077	300,651
107	300,651	1,065	1,080	299,571
108	299,571	1,061	1,084	298,486
109	298,486	1,057	1,088	297,398
110	297,398	1,053	1,092	296,306
111	296,306	1,049	1,096	295,210
112	295,210	1,046	1,100	294,111
113	294,111	1,042	1,104	293,007
114	293,007	1,038	1,108	291,900
115	291,900	1,034	1,111	290,788
116	290,788	1,030	1,115	289,673
117	289,673	1,026	1,119	288,553
118	288,553	1,022	1,123	287,430
119	287,430	1,018	1,127	286,303
120	286,303	1,014	1,131	285,171
121	285,171	1,010	1,135	284,036
122	284,036	1,006	1,139	282,897
123	282,897	1,002	1,143	281,753
124	281,753	998	1,147	280,606
125	280,606	994	1,151	279,455
126	279,455	990	1,156	278,299
127	278,299	986	1,160	277,139
128	277,139	982	1,164	275,976
129	275,976	977	1,168	274,808
130	274,808	973	1,172	273,636
131	273,636	969	1,176	272,460
132	272,460	965	1,180	271,279
133	271,279	961	1,185	270,095
134	270,095	957	1,189	268,906
135	268,906	952	1,193	267,713
136	267,713	948	1,197	266,516
137	266,516	944	1,201	265,315
138	265,315	940	1,206	264,109
139	264,109	935	1,210	262,899
140	262,899	931	1,214	261,685
141	261,685	927	1,218	260,466
142	260,466	922	1,223	259,244
143	259,244	918	1,227	258,017
144	258,017	914	1,231	256,785
145	256,785	909	1,236	255,549
146	255,549	905	1,240	254,309
147	254,309	901	1,245	253,064
148	253,064	896	1,249	251,815
149	251,815	892	1,253	250,562
150	250,562	887	1,258	249,304
151	249,304	883	1,262	248,042
152	248,042	878	1,267	246,775
153	246,775	874	1,271	245,504
154	245,504	869	1,276	244,228
155	244,228	865	1,280	242,948
156	242,948	860	1,285	241,663
157	241,663	856	1,289	240,373
158	240,373	851	1,294	239,079
159	239,079	847	1,299	237,781
160	237,781	842	1,303	236,478
161	236,478	838	1,308	235,170
162	235,170	833	1,312	233,858
163	233,858	828	1,317	232,540
164	232,540	824	1,322	231,219
165	231,219	819	1,326	229,892
166	229,892	814	1,331	228,561
167	228,561	809	1,336	227,226
168	227,226	805	1,341	225,885
169	225,885	800	1,345	224,540
170	224,540	795	1,350	223,190
171	223,190	790	1,355	221,835
172	221,835	786	1,360	220,475
173	220,475	781	1,364	219,111
174	219,111	776	1,369	217,742
175	217,742	771	1,374	216,367
176	216,367	766	1,379	214,988
177	214,988	761	1,384	213,605
178	213,605	757	1,389	212,216
179	212,216	752	1,394	210,822
180	210,822	747	1,399	209,424
181	209,424	742	1,404	208,020
182	208,020	737	1,409	206,611
183	206,611	732	1,414	205,198
184	205,198	727	1,419	203,779
185	203,779	722	1,424	202,356
186	202,356	717	1,429	200,927
187	200,927	712	1,434	199,493
188	199,493	707	1,439	198,055
189	198,055	701	1,444	196,611
190	196,611	696	1,449	195,162
191	195,162	691	1,454	193,708
192	193,708	686	1,459	192,249
193	192,249	681	1,464	190,784
194	190,784	676	1,470	189,315
195	189,315	670	1,475	187,840
196	187,840	665	1,480	186,360
197	186,360	660	1,485	184,875
198	184,875	655	1,491	183,384
199	183,384	649	1,496	181,888
200	181,888	644	1,501	180,387
201	180,387	639	1,506	178,881
202	178,881	634	1,512	177,369
203	177,369	628	1,517	175,852
204	175,852	623	1,522	174,329
205	174,329	617	1,528	172,802
206	172,802	612	1,533	171,268
207	171,268	607	1,539	169,730
208	169,730	601	1,544	168,185
209	168,185	596	1,550	166,636
210	166,636	590	1,555	165,081
211	165,081	585	1,561	163,520
212	163,520	579	1,566	161,954
213	161,954	574	1,572	160,382
214	160,382	568	1,577	158,805
215	158,805	562	1,583	157,222
216	157,222	557	1,588	155,634
217	155,634	551	1,594	154,040
218	154,040	546	1,600	152,440
219	152,440	540	1,605	150,834
220	150,834	534	1,611	149,223
221	149,223	528	1,617	147,607
222	147,607	523	1,623	145,984
223	145,984	517	1,628	144,356
224	144,356	511	1,634	142,722
225	142,722	505	1,640	141,082
226	141,082	500	1,646	139,436
227	139,436	494	1,651	137,785
228	137,785	488	1,657	136,128
229	136,128	482	1,663	134,464
230	134,464	476	1,669	132,795
231	132,795	470	1,675	131,120
232	131,120	464	1,681	129,440
233	129,440	458	1,687	127,753
234	127,753	452	1,693	126,060
235	126,060	446	1,699	124,361
236	124,361	440	1,705	122,656
237	122,656	434	1,711	120,945
238	120,945	428	1,717	119,228
239	119,228	422	1,723	117,505
240	117,505	416	1,729	115,776
241	115,776	410	1,735	114,041
242	114,041	404	1,741	112,300
243	112,300	398	1,748	110,552
244	110,552	392	1,754	108,798
245	108,798	385	1,760	107,038
246	107,038	379	1,766	105,272
247	105,272	373	1,772	103,500
248	103,500	367	1,779	101,721
249	101,721	360	1,785	99,936
250	99,936	354	1,791	98,145
251	98,145	348	1,798	96,347
252	96,347	341	1,804	94,543
253	94,543	335	1,810	92,732
254	92,732	328	1,817	90,916
255	90,916	322	1,823	89,092
256	89,092	316	1,830	87,263
257	87,263	309	1,836	85,426
258	85,426	303	1,843	83,584
259	83,584	296	1,849	81,734
260	81,734	289	1,856	79,879
261	79,879	283	1,862	78,016
262	78,016	276	1,869	76,147
263	76,147	270	1,876	74,272
264	74,272	263	1,882	72,389
265	72,389	256	1,889	70,500
266	70,500	250	1,896	68,605
267	68,605	243	1,902	66,703
268	66,703	236	1,909	64,794
269	64,794	229	1,916	62,878
270	62,878	223	1,923	60,955
271	60,955	216	1,929	59,026
272	59,026	209	1,936	57,090
273	57,090	202	1,943	55,146
274	55,146	195	1,950	53,196
275	53,196	188	1,957	51,240
276	51,240	181	1,964	49,276
277	49,276	175	1,971	47,305
278	47,305	168	1,978	45,327
279	45,327	161	1,985	43,342
280	43,342	154	1,992	41,351
281	41,351	146	1,999	39,352
282	39,352	139	2,006	37,346
283	37,346	132	2,013	35,333
284	35,333	125	2,020	33,313
285	33,313	118	2,027	31,286
286	31,286	111	2,034	29,251
287	29,251	104	2,042	27,209
288	27,209	96	2,049	25,160
289	25,160	89	2,056	23,104
290	23,104	82	2,063	21,041
291	21,041	75	2,071	18,970
292	18,970	67	2,078	16,892
293	16,892	60	2,085	14,806
294	14,806	52	2,093	12,714
295	12,714	45	2,100	10,613
296	10,613	38	2,108	8,506
297	8,506	30	2,115	6,391
298	6,391	23	2,123	4,268
299	4,268	15	2,130	2,138
300	2,138	8	2,138	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.