REIN Investment · Olivia Gardens

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 1,005,997

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 1,005,997

Monthly repayment

AED 5,450

Total paid over 25 years

AED 1,634,961

of which interest AED 628,964

Total upfront cash

AED 1,144,662 – AED 1,147,662

DepositAED 1,005,997
DLD transfer fee (4% + admin)AED 81,060
Mortgage registration (0.25% + admin)AED 2,805
Bank arrangement feeAED 10,060
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 40,240

Plus life and property insurance, estimated AED 5,030/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 402,399
During construction · 30%AED 603,598
Upon Handover · 50%AED 1,005,997

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 955,697 — you bring AED 50,300 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,005,997	3,563	1,887	1,004,110
2	1,004,110	3,556	1,894	1,002,216
3	1,002,216	3,550	1,900	1,000,316
4	1,000,316	3,543	1,907	998,409
5	998,409	3,536	1,914	996,495
6	996,495	3,529	1,921	994,575
7	994,575	3,522	1,927	992,647
8	992,647	3,516	1,934	990,713
9	990,713	3,509	1,941	988,772
10	988,772	3,502	1,948	986,824
11	986,824	3,495	1,955	984,869
12	984,869	3,488	1,962	982,907
13	982,907	3,481	1,969	980,938
14	980,938	3,474	1,976	978,963
15	978,963	3,467	1,983	976,980
16	976,980	3,460	1,990	974,990
17	974,990	3,453	1,997	972,993
18	972,993	3,446	2,004	970,990
19	970,990	3,439	2,011	968,979
20	968,979	3,432	2,018	966,961
21	966,961	3,425	2,025	964,935
22	964,935	3,417	2,032	962,903
23	962,903	3,410	2,040	960,863
24	960,863	3,403	2,047	958,817
25	958,817	3,396	2,054	956,763
26	956,763	3,389	2,061	954,701
27	954,701	3,381	2,069	952,633
28	952,633	3,374	2,076	950,557
29	950,557	3,367	2,083	948,473
30	948,473	3,359	2,091	946,383
31	946,383	3,352	2,098	944,284
32	944,284	3,344	2,106	942,179
33	942,179	3,337	2,113	940,066
34	940,066	3,329	2,120	937,945
35	937,945	3,322	2,128	935,818
36	935,818	3,314	2,136	933,682
37	933,682	3,307	2,143	931,539
38	931,539	3,299	2,151	929,388
39	929,388	3,292	2,158	927,230
40	927,230	3,284	2,166	925,064
41	925,064	3,276	2,174	922,890
42	922,890	3,269	2,181	920,709
43	920,709	3,261	2,189	918,520
44	918,520	3,253	2,197	916,323
45	916,323	3,245	2,205	914,119
46	914,119	3,238	2,212	911,906
47	911,906	3,230	2,220	909,686
48	909,686	3,222	2,228	907,458
49	907,458	3,214	2,236	905,222
50	905,222	3,206	2,244	902,978
51	902,978	3,198	2,252	900,726
52	900,726	3,190	2,260	898,467
53	898,467	3,182	2,268	896,199
54	896,199	3,174	2,276	893,923
55	893,923	3,166	2,284	891,639
56	891,639	3,158	2,292	889,347
57	889,347	3,150	2,300	887,047
58	887,047	3,142	2,308	884,739
59	884,739	3,133	2,316	882,422
60	882,422	3,125	2,325	880,098
61	880,098	3,117	2,333	877,765
62	877,765	3,109	2,341	875,424
63	875,424	3,100	2,349	873,074
64	873,074	3,092	2,358	870,717
65	870,717	3,084	2,366	868,351
66	868,351	3,075	2,374	865,976
67	865,976	3,067	2,383	863,593
68	863,593	3,059	2,391	861,202
69	861,202	3,050	2,400	858,802
70	858,802	3,042	2,408	856,394
71	856,394	3,033	2,417	853,977
72	853,977	3,025	2,425	851,552
73	851,552	3,016	2,434	849,118
74	849,118	3,007	2,443	846,675
75	846,675	2,999	2,451	844,224
76	844,224	2,990	2,460	841,764
77	841,764	2,981	2,469	839,295
78	839,295	2,973	2,477	836,818
79	836,818	2,964	2,486	834,332
80	834,332	2,955	2,495	831,837
81	831,837	2,946	2,504	829,333
82	829,333	2,937	2,513	826,821
83	826,821	2,928	2,522	824,299
84	824,299	2,919	2,530	821,769
85	821,769	2,910	2,539	819,229
86	819,229	2,901	2,548	816,681
87	816,681	2,892	2,557	814,123
88	814,123	2,883	2,567	811,557
89	811,557	2,874	2,576	808,981
90	808,981	2,865	2,585	806,396
91	806,396	2,856	2,594	803,803
92	803,803	2,847	2,603	801,199
93	801,199	2,838	2,612	798,587
94	798,587	2,828	2,622	795,966
95	795,966	2,819	2,631	793,335
96	793,335	2,810	2,640	790,695
97	790,695	2,800	2,649	788,045
98	788,045	2,791	2,659	785,386
99	785,386	2,782	2,668	782,718
100	782,718	2,772	2,678	780,040
101	780,040	2,763	2,687	777,353
102	777,353	2,753	2,697	774,656
103	774,656	2,744	2,706	771,950
104	771,950	2,734	2,716	769,234
105	769,234	2,724	2,725	766,509
106	766,509	2,715	2,735	763,773
107	763,773	2,705	2,745	761,029
108	761,029	2,695	2,755	758,274
109	758,274	2,686	2,764	755,510
110	755,510	2,676	2,774	752,736
111	752,736	2,666	2,784	749,952
112	749,952	2,656	2,794	747,158
113	747,158	2,646	2,804	744,354
114	744,354	2,636	2,814	741,541
115	741,541	2,626	2,824	738,717
116	738,717	2,616	2,834	735,883
117	735,883	2,606	2,844	733,040
118	733,040	2,596	2,854	730,186
119	730,186	2,586	2,864	727,322
120	727,322	2,576	2,874	724,448
121	724,448	2,566	2,884	721,564
122	721,564	2,556	2,894	718,670
123	718,670	2,545	2,905	715,765
124	715,765	2,535	2,915	712,851
125	712,851	2,525	2,925	709,925
126	709,925	2,514	2,936	706,990
127	706,990	2,504	2,946	704,044
128	704,044	2,493	2,956	701,087
129	701,087	2,483	2,967	698,121
130	698,121	2,473	2,977	695,143
131	695,143	2,462	2,988	692,155
132	692,155	2,451	2,998	689,157
133	689,157	2,441	3,009	686,148
134	686,148	2,430	3,020	683,128
135	683,128	2,419	3,030	680,098
136	680,098	2,409	3,041	677,056
137	677,056	2,398	3,052	674,004
138	674,004	2,387	3,063	670,942
139	670,942	2,376	3,074	667,868
140	667,868	2,365	3,085	664,783
141	664,783	2,354	3,095	661,688
142	661,688	2,343	3,106	658,582
143	658,582	2,332	3,117	655,464
144	655,464	2,321	3,128	652,336
145	652,336	2,310	3,140	649,196
146	649,196	2,299	3,151	646,046
147	646,046	2,288	3,162	642,884
148	642,884	2,277	3,173	639,711
149	639,711	2,266	3,184	636,527
150	636,527	2,254	3,196	633,331
151	633,331	2,243	3,207	630,124
152	630,124	2,232	3,218	626,906
153	626,906	2,220	3,230	623,677
154	623,677	2,209	3,241	620,436
155	620,436	2,197	3,252	617,183
156	617,183	2,186	3,264	613,919
157	613,919	2,174	3,276	610,644
158	610,644	2,163	3,287	607,356
159	607,356	2,151	3,299	604,058
160	604,058	2,139	3,310	600,747
161	600,747	2,128	3,322	597,425
162	597,425	2,116	3,334	594,091
163	594,091	2,104	3,346	590,745
164	590,745	2,092	3,358	587,387
165	587,387	2,080	3,370	584,018
166	584,018	2,068	3,381	580,636
167	580,636	2,056	3,393	577,243
168	577,243	2,044	3,405	573,837
169	573,837	2,032	3,418	570,420
170	570,420	2,020	3,430	566,990
171	566,990	2,008	3,442	563,549
172	563,549	1,996	3,454	560,095
173	560,095	1,984	3,466	556,628
174	556,628	1,971	3,478	553,150
175	553,150	1,959	3,491	549,659
176	549,659	1,947	3,503	546,156
177	546,156	1,934	3,516	542,640
178	542,640	1,922	3,528	539,112
179	539,112	1,909	3,541	535,572
180	535,572	1,897	3,553	532,019
181	532,019	1,884	3,566	528,453
182	528,453	1,872	3,578	524,875
183	524,875	1,859	3,591	521,284
184	521,284	1,846	3,604	517,680
185	517,680	1,833	3,616	514,064
186	514,064	1,821	3,629	510,435
187	510,435	1,808	3,642	506,793
188	506,793	1,795	3,655	503,138
189	503,138	1,782	3,668	499,470
190	499,470	1,769	3,681	495,789
191	495,789	1,756	3,694	492,095
192	492,095	1,743	3,707	488,388
193	488,388	1,730	3,720	484,668
194	484,668	1,717	3,733	480,934
195	480,934	1,703	3,747	477,188
196	477,188	1,690	3,760	473,428
197	473,428	1,677	3,773	469,655
198	469,655	1,663	3,787	465,868
199	465,868	1,650	3,800	462,068
200	462,068	1,636	3,813	458,255
201	458,255	1,623	3,827	454,428
202	454,428	1,609	3,840	450,588
203	450,588	1,596	3,854	446,734
204	446,734	1,582	3,868	442,866
205	442,866	1,568	3,881	438,984
206	438,984	1,555	3,895	435,089
207	435,089	1,541	3,909	431,180
208	431,180	1,527	3,923	427,258
209	427,258	1,513	3,937	423,321
210	423,321	1,499	3,951	419,370
211	419,370	1,485	3,965	415,406
212	415,406	1,471	3,979	411,427
213	411,427	1,457	3,993	407,434
214	407,434	1,443	4,007	403,428
215	403,428	1,429	4,021	399,406
216	399,406	1,415	4,035	395,371
217	395,371	1,400	4,050	391,322
218	391,322	1,386	4,064	387,258
219	387,258	1,372	4,078	383,179
220	383,179	1,357	4,093	379,087
221	379,087	1,343	4,107	374,979
222	374,979	1,328	4,122	370,857
223	370,857	1,313	4,136	366,721
224	366,721	1,299	4,151	362,570
225	362,570	1,284	4,166	358,404
226	358,404	1,269	4,181	354,224
227	354,224	1,255	4,195	350,028
228	350,028	1,240	4,210	345,818
229	345,818	1,225	4,225	341,593
230	341,593	1,210	4,240	337,353
231	337,353	1,195	4,255	333,098
232	333,098	1,180	4,270	328,828
233	328,828	1,165	4,285	324,543
234	324,543	1,149	4,300	320,242
235	320,242	1,134	4,316	315,926
236	315,926	1,119	4,331	311,595
237	311,595	1,104	4,346	307,249
238	307,249	1,088	4,362	302,887
239	302,887	1,073	4,377	298,510
240	298,510	1,057	4,393	294,118
241	294,118	1,042	4,408	289,709
242	289,709	1,026	4,424	285,286
243	285,286	1,010	4,439	280,846
244	280,846	995	4,455	276,391
245	276,391	979	4,471	271,920
246	271,920	963	4,487	267,433
247	267,433	947	4,503	262,930
248	262,930	931	4,519	258,412
249	258,412	915	4,535	253,877
250	253,877	899	4,551	249,326
251	249,326	883	4,567	244,760
252	244,760	867	4,583	240,177
253	240,177	851	4,599	235,577
254	235,577	834	4,616	230,962
255	230,962	818	4,632	226,330
256	226,330	802	4,648	221,682
257	221,682	785	4,665	217,017
258	217,017	769	4,681	212,336
259	212,336	752	4,698	207,638
260	207,638	735	4,714	202,923
261	202,923	719	4,731	198,192
262	198,192	702	4,748	193,444
263	193,444	685	4,765	188,679
264	188,679	668	4,782	183,898
265	183,898	651	4,799	179,099
266	179,099	634	4,816	174,284
267	174,284	617	4,833	169,451
268	169,451	600	4,850	164,601
269	164,601	583	4,867	159,734
270	159,734	566	4,884	154,850
271	154,850	548	4,901	149,949
272	149,949	531	4,919	145,030
273	145,030	514	4,936	140,094
274	140,094	496	4,954	135,140
275	135,140	479	4,971	130,169
276	130,169	461	4,989	125,180
277	125,180	443	5,007	120,173
278	120,173	426	5,024	115,149
279	115,149	408	5,042	110,107
280	110,107	390	5,060	105,047
281	105,047	372	5,078	99,969
282	99,969	354	5,096	94,874
283	94,874	336	5,114	89,760
284	89,760	318	5,132	84,628
285	84,628	300	5,150	79,478
286	79,478	281	5,168	74,309
287	74,309	263	5,187	69,123
288	69,123	245	5,205	63,917
289	63,917	226	5,223	58,694
290	58,694	208	5,242	53,452
291	53,452	189	5,261	48,191
292	48,191	171	5,279	42,912
293	42,912	152	5,298	37,614
294	37,614	133	5,317	32,298
295	32,298	114	5,335	26,962
296	26,962	95	5,354	21,608
297	21,608	77	5,373	16,234
298	16,234	57	5,392	10,842
299	10,842	38	5,411	5,431
300	5,431	19	5,431	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.