REIN Investment · Lume Residences

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 351,389

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 351,389

Monthly repayment

AED 1,904

Total paid over 25 years

AED 571,082

of which interest AED 219,693

Total upfront cash

AED 403,317 – AED 406,317

DepositAED 351,389
DLD transfer fee (4% + admin)AED 28,691
Mortgage registration (0.25% + admin)AED 1,168
Bank arrangement feeAED 3,514
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 14,056

Plus life and property insurance, estimated AED 1,757/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 140,555
During construction (5% every 3 months) · 20%AED 140,555
Upon Handover · 60%AED 421,666

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 333,819 — you bring AED 17,569 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	351,389	1,245	659	350,729
2	350,729	1,242	661	350,068
3	350,068	1,240	664	349,404
4	349,404	1,237	666	348,738
5	348,738	1,235	668	348,070
6	348,070	1,233	671	347,399
7	347,399	1,230	673	346,725
8	346,725	1,228	676	346,050
9	346,050	1,226	678	345,372
10	345,372	1,223	680	344,691
11	344,691	1,221	683	344,009
12	344,009	1,218	685	343,323
13	343,323	1,216	688	342,636
14	342,636	1,214	690	341,946
15	341,946	1,211	693	341,253
16	341,253	1,209	695	340,558
17	340,558	1,206	697	339,861
18	339,861	1,204	700	339,161
19	339,161	1,201	702	338,458
20	338,458	1,199	705	337,753
21	337,753	1,196	707	337,046
22	337,046	1,194	710	336,336
23	336,336	1,191	712	335,624
24	335,624	1,189	715	334,909
25	334,909	1,186	717	334,191
26	334,191	1,184	720	333,471
27	333,471	1,181	723	332,749
28	332,749	1,178	725	332,024
29	332,024	1,176	728	331,296
30	331,296	1,173	730	330,566
31	330,566	1,171	733	329,833
32	329,833	1,168	735	329,097
33	329,097	1,166	738	328,359
34	328,359	1,163	741	327,619
35	327,619	1,160	743	326,875
36	326,875	1,158	746	326,129
37	326,129	1,155	749	325,381
38	325,381	1,152	751	324,630
39	324,630	1,150	754	323,876
40	323,876	1,147	757	323,119
41	323,119	1,144	759	322,360
42	322,360	1,142	762	321,598
43	321,598	1,139	765	320,833
44	320,833	1,136	767	320,066
45	320,066	1,134	770	319,296
46	319,296	1,131	773	318,523
47	318,523	1,128	776	317,748
48	317,748	1,125	778	316,969
49	316,969	1,123	781	316,188
50	316,188	1,120	784	315,405
51	315,405	1,117	787	314,618
52	314,618	1,114	789	313,829
53	313,829	1,111	792	313,037
54	313,037	1,109	795	312,242
55	312,242	1,106	798	311,444
56	311,444	1,103	801	310,643
57	310,643	1,100	803	309,840
58	309,840	1,097	806	309,034
59	309,034	1,094	809	308,225
60	308,225	1,092	812	307,413
61	307,413	1,089	815	306,598
62	306,598	1,086	818	305,780
63	305,780	1,083	821	304,959
64	304,959	1,080	824	304,136
65	304,136	1,077	826	303,309
66	303,309	1,074	829	302,480
67	302,480	1,071	832	301,648
68	301,648	1,068	835	300,812
69	300,812	1,065	838	299,974
70	299,974	1,062	841	299,133
71	299,133	1,059	844	298,289
72	298,289	1,056	847	297,442
73	297,442	1,053	850	296,592
74	296,592	1,050	853	295,738
75	295,738	1,047	856	294,882
76	294,882	1,044	859	294,023
77	294,023	1,041	862	293,161
78	293,161	1,038	865	292,295
79	292,295	1,035	868	291,427
80	291,427	1,032	871	290,555
81	290,555	1,029	875	289,681
82	289,681	1,026	878	288,803
83	288,803	1,023	881	287,923
84	287,923	1,020	884	287,039
85	287,039	1,017	887	286,152
86	286,152	1,013	890	285,261
87	285,261	1,010	893	284,368
88	284,368	1,007	896	283,472
89	283,472	1,004	900	282,572
90	282,572	1,001	903	281,669
91	281,669	998	906	280,763
92	280,763	994	909	279,854
93	279,854	991	912	278,942
94	278,942	988	916	278,026
95	278,026	985	919	277,107
96	277,107	981	922	276,185
97	276,185	978	925	275,259
98	275,259	975	929	274,331
99	274,331	972	932	273,399
100	273,399	968	935	272,463
101	272,463	965	939	271,525
102	271,525	962	942	270,583
103	270,583	958	945	269,637
104	269,637	955	949	268,689
105	268,689	952	952	267,737
106	267,737	948	955	266,781
107	266,781	945	959	265,823
108	265,823	941	962	264,860
109	264,860	938	966	263,895
110	263,895	935	969	262,926
111	262,926	931	972	261,953
112	261,953	928	976	260,978
113	260,978	924	979	259,998
114	259,998	921	983	259,016
115	259,016	917	986	258,029
116	258,029	914	990	257,040
117	257,040	910	993	256,046
118	256,046	907	997	255,049
119	255,049	903	1,000	254,049
120	254,049	900	1,004	253,045
121	253,045	896	1,007	252,038
122	252,038	893	1,011	251,027
123	251,027	889	1,015	250,012
124	250,012	885	1,018	248,994
125	248,994	882	1,022	247,973
126	247,973	878	1,025	246,947
127	246,947	875	1,029	245,918
128	245,918	871	1,033	244,885
129	244,885	867	1,036	243,849
130	243,849	864	1,040	242,809
131	242,809	860	1,044	241,766
132	241,766	856	1,047	240,718
133	240,718	853	1,051	239,667
134	239,667	849	1,055	238,612
135	238,612	845	1,059	237,554
136	237,554	841	1,062	236,492
137	236,492	838	1,066	235,426
138	235,426	834	1,070	234,356
139	234,356	830	1,074	233,282
140	233,282	826	1,077	232,205
141	232,205	822	1,081	231,124
142	231,124	819	1,085	230,038
143	230,038	815	1,089	228,950
144	228,950	811	1,093	227,857
145	227,857	807	1,097	226,760
146	226,760	803	1,100	225,660
147	225,660	799	1,104	224,555
148	224,555	795	1,108	223,447
149	223,447	791	1,112	222,335
150	222,335	787	1,116	221,219
151	221,219	783	1,120	220,099
152	220,099	780	1,124	218,974
153	218,974	776	1,128	217,846
154	217,846	772	1,132	216,714
155	216,714	768	1,136	215,578
156	215,578	764	1,140	214,438
157	214,438	759	1,144	213,294
158	213,294	755	1,148	212,146
159	212,146	751	1,152	210,994
160	210,994	747	1,156	209,837
161	209,837	743	1,160	208,677
162	208,677	739	1,165	207,512
163	207,512	735	1,169	206,344
164	206,344	731	1,173	205,171
165	205,171	727	1,177	203,994
166	203,994	722	1,181	202,813
167	202,813	718	1,185	201,627
168	201,627	714	1,190	200,438
169	200,438	710	1,194	199,244
170	199,244	706	1,198	198,046
171	198,046	701	1,202	196,844
172	196,844	697	1,206	195,638
173	195,638	693	1,211	194,427
174	194,427	689	1,215	193,212
175	193,212	684	1,219	191,993
176	191,993	680	1,224	190,769
177	190,769	676	1,228	189,541
178	189,541	671	1,232	188,309
179	188,309	667	1,237	187,072
180	187,072	663	1,241	185,831
181	185,831	658	1,245	184,585
182	184,585	654	1,250	183,336
183	183,336	649	1,254	182,081
184	182,081	645	1,259	180,823
185	180,823	640	1,263	179,559
186	179,559	636	1,268	178,292
187	178,292	631	1,272	177,019
188	177,019	627	1,277	175,743
189	175,743	622	1,281	174,462
190	174,462	618	1,286	173,176
191	173,176	613	1,290	171,886
192	171,886	609	1,295	170,591
193	170,591	604	1,299	169,291
194	169,291	600	1,304	167,987
195	167,987	595	1,309	166,679
196	166,679	590	1,313	165,365
197	165,365	586	1,318	164,047
198	164,047	581	1,323	162,725
199	162,725	576	1,327	161,398
200	161,398	572	1,332	160,066
201	160,066	567	1,337	158,729
202	158,729	562	1,341	157,387
203	157,387	557	1,346	156,041
204	156,041	553	1,351	154,690
205	154,690	548	1,356	153,335
206	153,335	543	1,361	151,974
207	151,974	538	1,365	150,609
208	150,609	533	1,370	149,238
209	149,238	529	1,375	147,863
210	147,863	524	1,380	146,483
211	146,483	519	1,385	145,099
212	145,099	514	1,390	143,709
213	143,709	509	1,395	142,314
214	142,314	504	1,400	140,915
215	140,915	499	1,405	139,510
216	139,510	494	1,410	138,101
217	138,101	489	1,414	136,686
218	136,686	484	1,420	135,267
219	135,267	479	1,425	133,842
220	133,842	474	1,430	132,413
221	132,413	469	1,435	130,978
222	130,978	464	1,440	129,538
223	129,538	459	1,445	128,093
224	128,093	454	1,450	126,643
225	126,643	449	1,455	125,188
226	125,188	443	1,460	123,728
227	123,728	438	1,465	122,263
228	122,263	433	1,471	120,792
229	120,792	428	1,476	119,316
230	119,316	423	1,481	117,835
231	117,835	417	1,486	116,349
232	116,349	412	1,492	114,857
233	114,857	407	1,497	113,361
234	113,361	401	1,502	111,859
235	111,859	396	1,507	110,351
236	110,351	391	1,513	108,838
237	108,838	385	1,518	107,320
238	107,320	380	1,524	105,797
239	105,797	375	1,529	104,268
240	104,268	369	1,534	102,733
241	102,733	364	1,540	101,194
242	101,194	358	1,545	99,648
243	99,648	353	1,551	98,098
244	98,098	347	1,556	96,542
245	96,542	342	1,562	94,980
246	94,980	336	1,567	93,413
247	93,413	331	1,573	91,840
248	91,840	325	1,578	90,262
249	90,262	320	1,584	88,678
250	88,678	314	1,590	87,088
251	87,088	308	1,595	85,493
252	85,493	303	1,601	83,892
253	83,892	297	1,606	82,286
254	82,286	291	1,612	80,674
255	80,674	286	1,618	79,056
256	79,056	280	1,624	77,432
257	77,432	274	1,629	75,803
258	75,803	268	1,635	74,167
259	74,167	263	1,641	72,527
260	72,527	257	1,647	70,880
261	70,880	251	1,653	69,227
262	69,227	245	1,658	67,569
263	67,569	239	1,664	65,905
264	65,905	233	1,670	64,234
265	64,234	227	1,676	62,558
266	62,558	222	1,682	60,876
267	60,876	216	1,688	59,188
268	59,188	210	1,694	57,494
269	57,494	204	1,700	55,794
270	55,794	198	1,706	54,088
271	54,088	192	1,712	52,376
272	52,376	185	1,718	50,658
273	50,658	179	1,724	48,934
274	48,934	173	1,730	47,204
275	47,204	167	1,736	45,467
276	45,467	161	1,743	43,725
277	43,725	155	1,749	41,976
278	41,976	149	1,755	40,221
279	40,221	142	1,761	38,460
280	38,460	136	1,767	36,692
281	36,692	130	1,774	34,919
282	34,919	124	1,780	33,139
283	33,139	117	1,786	31,353
284	31,353	111	1,793	29,560
285	29,560	105	1,799	27,761
286	27,761	98	1,805	25,956
287	25,956	92	1,812	24,144
288	24,144	86	1,818	22,326
289	22,326	79	1,825	20,501
290	20,501	73	1,831	18,670
291	18,670	66	1,837	16,833
292	16,833	60	1,844	14,989
293	14,989	53	1,851	13,138
294	13,138	47	1,857	11,281
295	11,281	40	1,864	9,418
296	9,418	33	1,870	7,547
297	7,547	27	1,877	5,671
298	5,671	20	1,884	3,787
299	3,787	13	1,890	1,897
300	1,897	7	1,897	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.