REIN Investment · Lucky Oasis 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 350,000

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 350,000

Monthly repayment

AED 1,896

Total paid over 25 years

AED 568,824

of which interest AED 218,825

Total upfront cash

AED 401,744 – AED 404,744

DepositAED 350,000
DLD transfer fee (4% + admin)AED 28,580
Mortgage registration (0.25% + admin)AED 1,165
Bank arrangement feeAED 3,500
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 14,000

Plus life and property insurance, estimated AED 1,750/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 30%AED 210,000
During construction · 30%AED 210,000
Upon Handover · 40%AED 280,000

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 332,500 — you bring AED 17,500 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	350,000	1,240	656	349,343
2	349,343	1,237	659	348,684
3	348,684	1,235	661	348,023
4	348,023	1,233	663	347,360
5	347,360	1,230	666	346,694
6	346,694	1,228	668	346,025
7	346,025	1,226	671	345,355
8	345,355	1,223	673	344,682
9	344,682	1,221	675	344,007
10	344,007	1,218	678	343,329
11	343,329	1,216	680	342,649
12	342,649	1,214	683	341,966
13	341,966	1,211	685	341,281
14	341,281	1,209	687	340,594
15	340,594	1,206	690	339,904
16	339,904	1,204	692	339,212
17	339,212	1,201	695	338,517
18	338,517	1,199	697	337,820
19	337,820	1,196	700	337,120
20	337,120	1,194	702	336,418
21	336,418	1,191	705	335,714
22	335,714	1,189	707	335,007
23	335,007	1,186	710	334,297
24	334,297	1,184	712	333,585
25	333,585	1,181	715	332,870
26	332,870	1,179	717	332,153
27	332,153	1,176	720	331,433
28	331,433	1,174	722	330,711
29	330,711	1,171	725	329,986
30	329,986	1,169	727	329,259
31	329,259	1,166	730	328,529
32	328,529	1,164	733	327,796
33	327,796	1,161	735	327,061
34	327,061	1,158	738	326,323
35	326,323	1,156	740	325,583
36	325,583	1,153	743	324,840
37	324,840	1,150	746	324,095
38	324,095	1,148	748	323,346
39	323,346	1,145	751	322,595
40	322,595	1,143	754	321,842
41	321,842	1,140	756	321,086
42	321,086	1,137	759	320,327
43	320,327	1,134	762	319,565
44	319,565	1,132	764	318,801
45	318,801	1,129	767	318,034
46	318,034	1,126	770	317,264
47	317,264	1,124	772	316,492
48	316,492	1,121	775	315,717
49	315,717	1,118	778	314,939
50	314,939	1,115	781	314,158
51	314,158	1,113	783	313,375
52	313,375	1,110	786	312,588
53	312,588	1,107	789	311,799
54	311,799	1,104	792	311,008
55	311,008	1,101	795	310,213
56	310,213	1,099	797	309,416
57	309,416	1,096	800	308,615
58	308,615	1,093	803	307,812
59	307,812	1,090	806	307,006
60	307,006	1,087	809	306,198
61	306,198	1,084	812	305,386
62	305,386	1,082	815	304,571
63	304,571	1,079	817	303,754
64	303,754	1,076	820	302,934
65	302,934	1,073	823	302,111
66	302,111	1,070	826	301,284
67	301,284	1,067	829	300,455
68	300,455	1,064	832	299,623
69	299,623	1,061	835	298,789
70	298,789	1,058	838	297,951
71	297,951	1,055	841	297,110
72	297,110	1,052	844	296,266
73	296,266	1,049	847	295,419
74	295,419	1,046	850	294,569
75	294,569	1,043	853	293,717
76	293,717	1,040	856	292,861
77	292,861	1,037	859	292,002
78	292,002	1,034	862	291,140
79	291,140	1,031	865	290,275
80	290,275	1,028	868	289,407
81	289,407	1,025	871	288,536
82	288,536	1,022	874	287,662
83	287,662	1,019	877	286,784
84	286,784	1,016	880	285,904
85	285,904	1,013	884	285,021
86	285,021	1,009	887	284,134
87	284,134	1,006	890	283,244
88	283,244	1,003	893	282,351
89	282,351	1,000	896	281,455
90	281,455	997	899	280,556
91	280,556	994	902	279,653
92	279,653	990	906	278,748
93	278,748	987	909	277,839
94	277,839	984	912	276,927
95	276,927	981	915	276,012
96	276,012	978	919	275,093
97	275,093	974	922	274,171
98	274,171	971	925	273,246
99	273,246	968	928	272,318
100	272,318	964	932	271,386
101	271,386	961	935	270,451
102	270,451	958	938	269,513
103	269,513	955	942	268,571
104	268,571	951	945	267,627
105	267,627	948	948	266,678
106	266,678	944	952	265,727
107	265,727	941	955	264,772
108	264,772	938	958	263,813
109	263,813	934	962	262,852
110	262,852	931	965	261,887
111	261,887	928	969	260,918
112	260,918	924	972	259,946
113	259,946	921	975	258,971
114	258,971	917	979	257,992
115	257,992	914	982	257,009
116	257,009	910	986	256,023
117	256,023	907	989	255,034
118	255,034	903	993	254,041
119	254,041	900	996	253,045
120	253,045	896	1,000	252,045
121	252,045	893	1,003	251,042
122	251,042	889	1,007	250,035
123	250,035	886	1,011	249,024
124	249,024	882	1,014	248,010
125	248,010	878	1,018	246,992
126	246,992	875	1,021	245,971
127	245,971	871	1,025	244,946
128	244,946	868	1,029	243,917
129	243,917	864	1,032	242,885
130	242,885	860	1,036	241,849
131	241,849	857	1,040	240,810
132	240,810	853	1,043	239,767
133	239,767	849	1,047	238,720
134	238,720	845	1,051	237,669
135	237,669	842	1,054	236,615
136	236,615	838	1,058	235,557
137	235,557	834	1,062	234,495
138	234,495	831	1,066	233,429
139	233,429	827	1,069	232,360
140	232,360	823	1,073	231,287
141	231,287	819	1,077	230,210
142	230,210	815	1,081	229,129
143	229,129	811	1,085	228,045
144	228,045	808	1,088	226,956
145	226,956	804	1,092	225,864
146	225,864	800	1,096	224,768
147	224,768	796	1,100	223,668
148	223,668	792	1,104	222,564
149	222,564	788	1,108	221,456
150	221,456	784	1,112	220,344
151	220,344	780	1,116	219,229
152	219,229	776	1,120	218,109
153	218,109	772	1,124	216,985
154	216,985	768	1,128	215,858
155	215,858	764	1,132	214,726
156	214,726	760	1,136	213,590
157	213,590	756	1,140	212,451
158	212,451	752	1,144	211,307
159	211,307	748	1,148	210,160
160	210,160	744	1,152	209,008
161	209,008	740	1,156	207,852
162	207,852	736	1,160	206,692
163	206,692	732	1,164	205,528
164	205,528	728	1,168	204,360
165	204,360	724	1,172	203,187
166	203,187	720	1,176	202,011
167	202,011	715	1,181	200,830
168	200,830	711	1,185	199,646
169	199,646	707	1,189	198,457
170	198,457	703	1,193	197,263
171	197,263	699	1,197	196,066
172	196,066	694	1,202	194,864
173	194,864	690	1,206	193,658
174	193,658	686	1,210	192,448
175	192,448	682	1,214	191,234
176	191,234	677	1,219	190,015
177	190,015	673	1,223	188,792
178	188,792	669	1,227	187,564
179	187,564	664	1,232	186,332
180	186,332	660	1,236	185,096
181	185,096	656	1,241	183,856
182	183,856	651	1,245	182,611
183	182,611	647	1,249	181,361
184	181,361	642	1,254	180,108
185	180,108	638	1,258	178,850
186	178,850	633	1,263	177,587
187	177,587	629	1,267	176,320
188	176,320	624	1,272	175,048
189	175,048	620	1,276	173,772
190	173,772	615	1,281	172,491
191	172,491	611	1,285	171,206
192	171,206	606	1,290	169,916
193	169,916	602	1,294	168,622
194	168,622	597	1,299	167,323
195	167,323	593	1,303	166,020
196	166,020	588	1,308	164,712
197	164,712	583	1,313	163,399
198	163,399	579	1,317	162,082
199	162,082	574	1,322	160,760
200	160,760	569	1,327	159,433
201	159,433	565	1,331	158,101
202	158,101	560	1,336	156,765
203	156,765	555	1,341	155,424
204	155,424	550	1,346	154,079
205	154,079	546	1,350	152,728
206	152,728	541	1,355	151,373
207	151,373	536	1,360	150,013
208	150,013	531	1,365	148,649
209	148,649	526	1,370	147,279
210	147,279	522	1,374	145,904
211	145,904	517	1,379	144,525
212	144,525	512	1,384	143,141
213	143,141	507	1,389	141,752
214	141,752	502	1,394	140,358
215	140,358	497	1,399	138,959
216	138,959	492	1,404	137,555
217	137,555	487	1,409	136,146
218	136,146	482	1,414	134,732
219	134,732	477	1,419	133,313
220	133,313	472	1,424	131,889
221	131,889	467	1,429	130,460
222	130,460	462	1,434	129,026
223	129,026	457	1,439	127,587
224	127,587	452	1,444	126,143
225	126,143	447	1,449	124,694
226	124,694	442	1,454	123,239
227	123,239	436	1,460	121,779
228	121,779	431	1,465	120,315
229	120,315	426	1,470	118,845
230	118,845	421	1,475	117,370
231	117,370	416	1,480	115,889
232	115,889	410	1,486	114,403
233	114,403	405	1,491	112,913
234	112,913	400	1,496	111,416
235	111,416	395	1,501	109,915
236	109,915	389	1,507	108,408
237	108,408	384	1,512	106,896
238	106,896	379	1,517	105,378
239	105,378	373	1,523	103,856
240	103,856	368	1,528	102,327
241	102,327	362	1,534	100,794
242	100,794	357	1,539	99,255
243	99,255	352	1,545	97,710
244	97,710	346	1,550	96,160
245	96,160	341	1,556	94,604
246	94,604	335	1,561	93,043
247	93,043	330	1,567	91,477
248	91,477	324	1,572	89,905
249	89,905	318	1,578	88,327
250	88,327	313	1,583	86,744
251	86,744	307	1,589	85,155
252	85,155	302	1,594	83,561
253	83,561	296	1,600	81,960
254	81,960	290	1,606	80,355
255	80,355	285	1,611	78,743
256	78,743	279	1,617	77,126
257	77,126	273	1,623	75,503
258	75,503	267	1,629	73,874
259	73,874	262	1,634	72,240
260	72,240	256	1,640	70,600
261	70,600	250	1,646	68,954
262	68,954	244	1,652	67,302
263	67,302	238	1,658	65,644
264	65,644	232	1,664	63,980
265	63,980	227	1,669	62,311
266	62,311	221	1,675	60,636
267	60,636	215	1,681	58,954
268	58,954	209	1,687	57,267
269	57,267	203	1,693	55,574
270	55,574	197	1,699	53,874
271	53,874	191	1,705	52,169
272	52,169	185	1,711	50,458
273	50,458	179	1,717	48,740
274	48,740	173	1,723	47,017
275	47,017	167	1,730	45,287
276	45,287	160	1,736	43,552
277	43,552	154	1,742	41,810
278	41,810	148	1,748	40,062
279	40,062	142	1,754	38,308
280	38,308	136	1,760	36,547
281	36,547	129	1,767	34,781
282	34,781	123	1,773	33,008
283	33,008	117	1,779	31,229
284	31,229	111	1,785	29,443
285	29,443	104	1,792	27,651
286	27,651	98	1,798	25,853
287	25,853	92	1,805	24,049
288	24,049	85	1,811	22,238
289	22,238	79	1,817	20,420
290	20,420	72	1,824	18,597
291	18,597	66	1,830	16,766
292	16,766	59	1,837	14,930
293	14,930	53	1,843	13,087
294	13,087	46	1,850	11,237
295	11,237	40	1,856	9,381
296	9,381	33	1,863	7,518
297	7,518	27	1,869	5,648
298	5,648	20	1,876	3,772
299	3,772	13	1,883	1,889
300	1,889	7	1,889	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.