REIN Investment · Palatium 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 688,685

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 688,685

Monthly repayment

AED 3,731

Total paid over 25 years

AED 1,119,260

of which interest AED 430,575

Total upfront cash

AED 785,305 – AED 788,305

DepositAED 688,685
DLD transfer fee (4% + admin)AED 55,675
Mortgage registration (0.25% + admin)AED 2,012
Bank arrangement feeAED 6,887
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 27,547

Plus life and property insurance, estimated AED 3,443/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 137,737
During construction · 50%AED 688,685
Upon Handover · 40%AED 550,948

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 654,250 — you bring AED 34,434 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	688,685	2,439	1,292	687,393
2	687,393	2,435	1,296	686,096
3	686,096	2,430	1,301	684,795
4	684,795	2,425	1,306	683,490
5	683,490	2,421	1,310	682,180
6	682,180	2,416	1,315	680,865
7	680,865	2,411	1,319	679,545
8	679,545	2,407	1,324	678,221
9	678,221	2,402	1,329	676,892
10	676,892	2,397	1,334	675,559
11	675,559	2,393	1,338	674,221
12	674,221	2,388	1,343	672,878
13	672,878	2,383	1,348	671,530
14	671,530	2,378	1,353	670,177
15	670,177	2,374	1,357	668,820
16	668,820	2,369	1,362	667,458
17	667,458	2,364	1,367	666,091
18	666,091	2,359	1,372	664,719
19	664,719	2,354	1,377	663,343
20	663,343	2,349	1,382	661,961
21	661,961	2,344	1,386	660,575
22	660,575	2,340	1,391	659,183
23	659,183	2,335	1,396	657,787
24	657,787	2,330	1,401	656,386
25	656,386	2,325	1,406	654,980
26	654,980	2,320	1,411	653,568
27	653,568	2,315	1,416	652,152
28	652,152	2,310	1,421	650,731
29	650,731	2,305	1,426	649,305
30	649,305	2,300	1,431	647,874
31	647,874	2,295	1,436	646,437
32	646,437	2,289	1,441	644,996
33	644,996	2,284	1,447	643,549
34	643,549	2,279	1,452	642,098
35	642,098	2,274	1,457	640,641
36	640,641	2,269	1,462	639,179
37	639,179	2,264	1,467	637,712
38	637,712	2,259	1,472	636,240
39	636,240	2,253	1,478	634,762
40	634,762	2,248	1,483	633,279
41	633,279	2,243	1,488	631,791
42	631,791	2,238	1,493	630,298
43	630,298	2,232	1,499	628,800
44	628,800	2,227	1,504	627,296
45	627,296	2,222	1,509	625,787
46	625,787	2,216	1,515	624,272
47	624,272	2,211	1,520	622,752
48	622,752	2,206	1,525	621,227
49	621,227	2,200	1,531	619,696
50	619,696	2,195	1,536	618,160
51	618,160	2,189	1,542	616,619
52	616,619	2,184	1,547	615,072
53	615,072	2,178	1,552	613,519
54	613,519	2,173	1,558	611,961
55	611,961	2,167	1,564	610,398
56	610,398	2,162	1,569	608,828
57	608,828	2,156	1,575	607,254
58	607,254	2,151	1,580	605,674
59	605,674	2,145	1,586	604,088
60	604,088	2,139	1,591	602,497
61	602,497	2,134	1,597	600,900
62	600,900	2,128	1,603	599,297
63	599,297	2,123	1,608	597,688
64	597,688	2,117	1,614	596,074
65	596,074	2,111	1,620	594,455
66	594,455	2,105	1,626	592,829
67	592,829	2,100	1,631	591,198
68	591,198	2,094	1,637	589,561
69	589,561	2,088	1,643	587,918
70	587,918	2,082	1,649	586,269
71	586,269	2,076	1,654	584,615
72	584,615	2,071	1,660	582,955
73	582,955	2,065	1,666	581,288
74	581,288	2,059	1,672	579,616
75	579,616	2,053	1,678	577,938
76	577,938	2,047	1,684	576,254
77	576,254	2,041	1,690	574,564
78	574,564	2,035	1,696	572,868
79	572,868	2,029	1,702	571,166
80	571,166	2,023	1,708	569,458
81	569,458	2,017	1,714	567,744
82	567,744	2,011	1,720	566,024
83	566,024	2,005	1,726	564,298
84	564,298	1,999	1,732	562,566
85	562,566	1,992	1,738	560,827
86	560,827	1,986	1,745	559,083
87	559,083	1,980	1,751	557,332
88	557,332	1,974	1,757	555,575
89	555,575	1,968	1,763	553,812
90	553,812	1,961	1,769	552,042
91	552,042	1,955	1,776	550,266
92	550,266	1,949	1,782	548,484
93	548,484	1,943	1,788	546,696
94	546,696	1,936	1,795	544,901
95	544,901	1,930	1,801	543,100
96	543,100	1,923	1,807	541,293
97	541,293	1,917	1,814	539,479
98	539,479	1,911	1,820	537,659
99	537,659	1,904	1,827	535,832
100	535,832	1,898	1,833	533,999
101	533,999	1,891	1,840	532,160
102	532,160	1,885	1,846	530,313
103	530,313	1,878	1,853	528,461
104	528,461	1,872	1,859	526,602
105	526,602	1,865	1,866	524,736
106	524,736	1,858	1,872	522,863
107	522,863	1,852	1,879	520,984
108	520,984	1,845	1,886	519,099
109	519,099	1,838	1,892	517,206
110	517,206	1,832	1,899	515,307
111	515,307	1,825	1,906	513,401
112	513,401	1,818	1,913	511,489
113	511,489	1,812	1,919	509,569
114	509,569	1,805	1,926	507,643
115	507,643	1,798	1,933	505,710
116	505,710	1,791	1,940	503,770
117	503,770	1,784	1,947	501,824
118	501,824	1,777	1,954	499,870
119	499,870	1,770	1,960	497,910
120	497,910	1,763	1,967	495,942
121	495,942	1,756	1,974	493,968
122	493,968	1,749	1,981	491,986
123	491,986	1,742	1,988	489,998
124	489,998	1,735	1,995	488,003
125	488,003	1,728	2,003	486,000
126	486,000	1,721	2,010	483,990
127	483,990	1,714	2,017	481,974
128	481,974	1,707	2,024	479,950
129	479,950	1,700	2,031	477,919
130	477,919	1,693	2,038	475,881
131	475,881	1,685	2,045	473,835
132	473,835	1,678	2,053	471,782
133	471,782	1,671	2,060	469,722
134	469,722	1,664	2,067	467,655
135	467,655	1,656	2,075	465,581
136	465,581	1,649	2,082	463,499
137	463,499	1,642	2,089	461,409
138	461,409	1,634	2,097	459,313
139	459,313	1,627	2,104	457,208
140	457,208	1,619	2,112	455,097
141	455,097	1,612	2,119	452,978
142	452,978	1,604	2,127	450,851
143	450,851	1,597	2,134	448,717
144	448,717	1,589	2,142	446,575
145	446,575	1,582	2,149	444,426
146	444,426	1,574	2,157	442,269
147	442,269	1,566	2,164	440,105
148	440,105	1,559	2,172	437,933
149	437,933	1,551	2,180	435,753
150	435,753	1,543	2,188	433,565
151	433,565	1,536	2,195	431,370
152	431,370	1,528	2,203	429,167
153	429,167	1,520	2,211	426,956
154	426,956	1,512	2,219	424,737
155	424,737	1,504	2,227	422,511
156	422,511	1,496	2,234	420,276
157	420,276	1,488	2,242	418,034
158	418,034	1,481	2,250	415,783
159	415,783	1,473	2,258	413,525
160	413,525	1,465	2,266	411,259
161	411,259	1,457	2,274	408,985
162	408,985	1,448	2,282	406,702
163	406,702	1,440	2,290	404,412
164	404,412	1,432	2,299	402,113
165	402,113	1,424	2,307	399,806
166	399,806	1,416	2,315	397,492
167	397,492	1,408	2,323	395,168
168	395,168	1,400	2,331	392,837
169	392,837	1,391	2,340	390,498
170	390,498	1,383	2,348	388,150
171	388,150	1,375	2,356	385,794
172	385,794	1,366	2,365	383,429
173	383,429	1,358	2,373	381,056
174	381,056	1,350	2,381	378,675
175	378,675	1,341	2,390	376,285
176	376,285	1,333	2,398	373,887
177	373,887	1,324	2,407	371,480
178	371,480	1,316	2,415	369,065
179	369,065	1,307	2,424	366,641
180	366,641	1,299	2,432	364,209
181	364,209	1,290	2,441	361,768
182	361,768	1,281	2,450	359,318
183	359,318	1,273	2,458	356,860
184	356,860	1,264	2,467	354,393
185	354,393	1,255	2,476	351,917
186	351,917	1,246	2,484	349,433
187	349,433	1,238	2,493	346,940
188	346,940	1,229	2,502	344,437
189	344,437	1,220	2,511	341,926
190	341,926	1,211	2,520	339,407
191	339,407	1,202	2,529	336,878
192	336,878	1,193	2,538	334,340
193	334,340	1,184	2,547	331,793
194	331,793	1,175	2,556	329,238
195	329,238	1,166	2,565	326,673
196	326,673	1,157	2,574	324,099
197	324,099	1,148	2,583	321,516
198	321,516	1,139	2,592	318,924
199	318,924	1,130	2,601	316,322
200	316,322	1,120	2,611	313,712
201	313,712	1,111	2,620	311,092
202	311,092	1,102	2,629	308,463
203	308,463	1,092	2,638	305,824
204	305,824	1,083	2,648	303,177
205	303,177	1,074	2,657	300,520
206	300,520	1,064	2,667	297,853
207	297,853	1,055	2,676	295,177
208	295,177	1,045	2,685	292,492
209	292,492	1,036	2,695	289,797
210	289,797	1,026	2,705	287,092
211	287,092	1,017	2,714	284,378
212	284,378	1,007	2,724	281,654
213	281,654	998	2,733	278,921
214	278,921	988	2,743	276,178
215	276,178	978	2,753	273,425
216	273,425	968	2,762	270,663
217	270,663	959	2,772	267,891
218	267,891	949	2,782	265,108
219	265,108	939	2,792	262,317
220	262,317	929	2,802	259,515
221	259,515	919	2,812	256,703
222	256,703	909	2,822	253,881
223	253,881	899	2,832	251,050
224	251,050	889	2,842	248,208
225	248,208	879	2,852	245,356
226	245,356	869	2,862	242,494
227	242,494	859	2,872	239,622
228	239,622	849	2,882	236,740
229	236,740	838	2,892	233,847
230	233,847	828	2,903	230,945
231	230,945	818	2,913	228,032
232	228,032	808	2,923	225,109
233	225,109	797	2,934	222,175
234	222,175	787	2,944	219,231
235	219,231	776	2,954	216,277
236	216,277	766	2,965	213,312
237	213,312	755	2,975	210,336
238	210,336	745	2,986	207,350
239	207,350	734	2,997	204,354
240	204,354	724	3,007	201,347
241	201,347	713	3,018	198,329
242	198,329	702	3,028	195,301
243	195,301	692	3,039	192,261
244	192,261	681	3,050	189,211
245	189,211	670	3,061	186,151
246	186,151	659	3,072	183,079
247	183,079	648	3,082	179,997
248	179,997	637	3,093	176,903
249	176,903	627	3,104	173,799
250	173,799	616	3,115	170,684
251	170,684	605	3,126	167,557
252	167,557	593	3,137	164,420
253	164,420	582	3,149	161,271
254	161,271	571	3,160	158,112
255	158,112	560	3,171	154,941
256	154,941	549	3,182	151,759
257	151,759	537	3,193	148,565
258	148,565	526	3,205	145,360
259	145,360	515	3,216	142,144
260	142,144	503	3,227	138,917
261	138,917	492	3,239	135,678
262	135,678	481	3,250	132,428
263	132,428	469	3,262	129,166
264	129,166	457	3,273	125,893
265	125,893	446	3,285	122,608
266	122,608	434	3,297	119,311
267	119,311	423	3,308	116,003
268	116,003	411	3,320	112,683
269	112,683	399	3,332	109,351
270	109,351	387	3,344	106,007
271	106,007	375	3,355	102,652
272	102,652	364	3,367	99,284
273	99,284	352	3,379	95,905
274	95,905	340	3,391	92,514
275	92,514	328	3,403	89,111
276	89,111	316	3,415	85,696
277	85,696	304	3,427	82,268
278	82,268	291	3,439	78,829
279	78,829	279	3,452	75,377
280	75,377	267	3,464	71,913
281	71,913	255	3,476	68,437
282	68,437	242	3,488	64,948
283	64,948	230	3,501	61,448
284	61,448	218	3,513	57,934
285	57,934	205	3,526	54,409
286	54,409	193	3,538	50,871
287	50,871	180	3,551	47,320
288	47,320	168	3,563	43,757
289	43,757	155	3,576	40,181
290	40,181	142	3,589	36,592
291	36,592	130	3,601	32,991
292	32,991	117	3,614	29,377
293	29,377	104	3,627	25,750
294	25,750	91	3,640	22,110
295	22,110	78	3,653	18,458
296	18,458	65	3,665	14,792
297	14,792	52	3,678	11,114
298	11,114	39	3,692	7,422
299	7,422	26	3,705	3,718
300	3,718	13	3,718	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.