REIN Investment · Reef 997

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 1,482,990

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 1,482,990

Monthly repayment

AED 8,034

Total paid over 25 years

AED 2,410,177

of which interest AED 927,187

Total upfront cash

AED 1,684,856 – AED 1,687,856

DepositAED 1,482,990
DLD transfer fee (4% + admin)AED 119,219
Mortgage registration (0.25% + admin)AED 3,997
Bank arrangement feeAED 14,830
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 59,320

Plus life and property insurance, estimated AED 7,415/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 296,598
During construction · 40%AED 1,186,392
Within 4 years PH (1% monthly) · 50%AED 1,482,990

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 1,408,841 — you bring AED 74,150 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,482,990	5,252	2,782	1,480,208
2	1,480,208	5,242	2,792	1,477,417
3	1,477,417	5,233	2,801	1,474,615
4	1,474,615	5,223	2,811	1,471,804
5	1,471,804	5,213	2,821	1,468,983
6	1,468,983	5,203	2,831	1,466,152
7	1,466,152	5,193	2,841	1,463,310
8	1,463,310	5,183	2,851	1,460,459
9	1,460,459	5,172	2,861	1,457,597
10	1,457,597	5,162	2,872	1,454,726
11	1,454,726	5,152	2,882	1,451,844
12	1,451,844	5,142	2,892	1,448,952
13	1,448,952	5,132	2,902	1,446,050
14	1,446,050	5,121	2,912	1,443,137
15	1,443,137	5,111	2,923	1,440,215
16	1,440,215	5,101	2,933	1,437,281
17	1,437,281	5,090	2,944	1,434,338
18	1,434,338	5,080	2,954	1,431,384
19	1,431,384	5,069	2,964	1,428,419
20	1,428,419	5,059	2,975	1,425,444
21	1,425,444	5,048	2,985	1,422,459
22	1,422,459	5,038	2,996	1,419,463
23	1,419,463	5,027	3,007	1,416,456
24	1,416,456	5,017	3,017	1,413,439
25	1,413,439	5,006	3,028	1,410,411
26	1,410,411	4,995	3,039	1,407,372
27	1,407,372	4,984	3,049	1,404,323
28	1,404,323	4,974	3,060	1,401,263
29	1,401,263	4,963	3,071	1,398,191
30	1,398,191	4,952	3,082	1,395,109
31	1,395,109	4,941	3,093	1,392,017
32	1,392,017	4,930	3,104	1,388,913
33	1,388,913	4,919	3,115	1,385,798
34	1,385,798	4,908	3,126	1,382,672
35	1,382,672	4,897	3,137	1,379,535
36	1,379,535	4,886	3,148	1,376,387
37	1,376,387	4,875	3,159	1,373,228
38	1,373,228	4,864	3,170	1,370,057
39	1,370,057	4,852	3,182	1,366,876
40	1,366,876	4,841	3,193	1,363,683
41	1,363,683	4,830	3,204	1,360,478
42	1,360,478	4,818	3,216	1,357,263
43	1,357,263	4,807	3,227	1,354,036
44	1,354,036	4,796	3,238	1,350,798
45	1,350,798	4,784	3,250	1,347,548
46	1,347,548	4,773	3,261	1,344,286
47	1,344,286	4,761	3,273	1,341,013
48	1,341,013	4,749	3,284	1,337,729
49	1,337,729	4,738	3,296	1,334,433
50	1,334,433	4,726	3,308	1,331,125
51	1,331,125	4,714	3,320	1,327,806
52	1,327,806	4,703	3,331	1,324,474
53	1,324,474	4,691	3,343	1,321,131
54	1,321,131	4,679	3,355	1,317,776
55	1,317,776	4,667	3,367	1,314,409
56	1,314,409	4,655	3,379	1,311,031
57	1,311,031	4,643	3,391	1,307,640
58	1,307,640	4,631	3,403	1,304,237
59	1,304,237	4,619	3,415	1,300,823
60	1,300,823	4,607	3,427	1,297,396
61	1,297,396	4,595	3,439	1,293,957
62	1,293,957	4,583	3,451	1,290,506
63	1,290,506	4,571	3,463	1,287,042
64	1,287,042	4,558	3,476	1,283,567
65	1,283,567	4,546	3,488	1,280,079
66	1,280,079	4,534	3,500	1,276,578
67	1,276,578	4,521	3,513	1,273,066
68	1,273,066	4,509	3,525	1,269,540
69	1,269,540	4,496	3,538	1,266,003
70	1,266,003	4,484	3,550	1,262,453
71	1,262,453	4,471	3,563	1,258,890
72	1,258,890	4,459	3,575	1,255,315
73	1,255,315	4,446	3,588	1,251,727
74	1,251,727	4,433	3,601	1,248,126
75	1,248,126	4,420	3,613	1,244,512
76	1,244,512	4,408	3,626	1,240,886
77	1,240,886	4,395	3,639	1,237,247
78	1,237,247	4,382	3,652	1,233,595
79	1,233,595	4,369	3,665	1,229,930
80	1,229,930	4,356	3,678	1,226,252
81	1,226,252	4,343	3,691	1,222,561
82	1,222,561	4,330	3,704	1,218,857
83	1,218,857	4,317	3,717	1,215,140
84	1,215,140	4,304	3,730	1,211,410
85	1,211,410	4,290	3,744	1,207,666
86	1,207,666	4,277	3,757	1,203,909
87	1,203,909	4,264	3,770	1,200,139
88	1,200,139	4,250	3,783	1,196,356
89	1,196,356	4,237	3,797	1,192,559
90	1,192,559	4,224	3,810	1,188,749
91	1,188,749	4,210	3,824	1,184,925
92	1,184,925	4,197	3,837	1,181,088
93	1,181,088	4,183	3,851	1,177,237
94	1,177,237	4,169	3,865	1,173,372
95	1,173,372	4,156	3,878	1,169,494
96	1,169,494	4,142	3,892	1,165,602
97	1,165,602	4,128	3,906	1,161,696
98	1,161,696	4,114	3,920	1,157,777
99	1,157,777	4,100	3,933	1,153,843
100	1,153,843	4,087	3,947	1,149,896
101	1,149,896	4,073	3,961	1,145,935
102	1,145,935	4,059	3,975	1,141,959
103	1,141,959	4,044	3,989	1,137,970
104	1,137,970	4,030	4,004	1,133,966
105	1,133,966	4,016	4,018	1,129,948
106	1,129,948	4,002	4,032	1,125,916
107	1,125,916	3,988	4,046	1,121,870
108	1,121,870	3,973	4,061	1,117,809
109	1,117,809	3,959	4,075	1,113,734
110	1,113,734	3,944	4,089	1,109,645
111	1,109,645	3,930	4,104	1,105,541
112	1,105,541	3,915	4,118	1,101,422
113	1,101,422	3,901	4,133	1,097,289
114	1,097,289	3,886	4,148	1,093,142
115	1,093,142	3,872	4,162	1,088,979
116	1,088,979	3,857	4,177	1,084,802
117	1,084,802	3,842	4,192	1,080,610
118	1,080,610	3,827	4,207	1,076,404
119	1,076,404	3,812	4,222	1,072,182
120	1,072,182	3,797	4,237	1,067,945
121	1,067,945	3,782	4,252	1,063,694
122	1,063,694	3,767	4,267	1,059,427
123	1,059,427	3,752	4,282	1,055,145
124	1,055,145	3,737	4,297	1,050,848
125	1,050,848	3,722	4,312	1,046,536
126	1,046,536	3,706	4,327	1,042,209
127	1,042,209	3,691	4,343	1,037,866
128	1,037,866	3,676	4,358	1,033,508
129	1,033,508	3,660	4,374	1,029,134
130	1,029,134	3,645	4,389	1,024,745
131	1,024,745	3,629	4,405	1,020,340
132	1,020,340	3,614	4,420	1,015,920
133	1,015,920	3,598	4,436	1,011,484
134	1,011,484	3,582	4,452	1,007,033
135	1,007,033	3,567	4,467	1,002,565
136	1,002,565	3,551	4,483	998,082
137	998,082	3,535	4,499	993,583
138	993,583	3,519	4,515	989,068
139	989,068	3,503	4,531	984,537
140	984,537	3,487	4,547	979,990
141	979,990	3,471	4,563	975,427
142	975,427	3,455	4,579	970,848
143	970,848	3,438	4,596	966,252
144	966,252	3,422	4,612	961,641
145	961,641	3,406	4,628	957,012
146	957,012	3,389	4,645	952,368
147	952,368	3,373	4,661	947,707
148	947,707	3,356	4,677	943,030
149	943,030	3,340	4,694	938,336
150	938,336	3,323	4,711	933,625
151	933,625	3,307	4,727	928,898
152	928,898	3,290	4,744	924,153
153	924,153	3,273	4,761	919,393
154	919,393	3,256	4,778	914,615
155	914,615	3,239	4,795	909,820
156	909,820	3,222	4,812	905,009
157	905,009	3,205	4,829	900,180
158	900,180	3,188	4,846	895,334
159	895,334	3,171	4,863	890,471
160	890,471	3,154	4,880	885,591
161	885,591	3,136	4,897	880,694
162	880,694	3,119	4,915	875,779
163	875,779	3,102	4,932	870,847
164	870,847	3,084	4,950	865,897
165	865,897	3,067	4,967	860,930
166	860,930	3,049	4,985	855,945
167	855,945	3,031	5,002	850,942
168	850,942	3,014	5,020	845,922
169	845,922	2,996	5,038	840,884
170	840,884	2,978	5,056	835,828
171	835,828	2,960	5,074	830,755
172	830,755	2,942	5,092	825,663
173	825,663	2,924	5,110	820,553
174	820,553	2,906	5,128	815,426
175	815,426	2,888	5,146	810,280
176	810,280	2,870	5,164	805,115
177	805,115	2,851	5,182	799,933
178	799,933	2,833	5,201	794,732
179	794,732	2,815	5,219	789,513
180	789,513	2,796	5,238	784,275
181	784,275	2,778	5,256	779,019
182	779,019	2,759	5,275	773,744
183	773,744	2,740	5,294	768,450
184	768,450	2,722	5,312	763,138
185	763,138	2,703	5,331	757,807
186	757,807	2,684	5,350	752,457
187	752,457	2,665	5,369	747,088
188	747,088	2,646	5,388	741,700
189	741,700	2,627	5,407	736,293
190	736,293	2,608	5,426	730,867
191	730,867	2,588	5,445	725,421
192	725,421	2,569	5,465	719,957
193	719,957	2,550	5,484	714,472
194	714,472	2,530	5,503	708,969
195	708,969	2,511	5,523	703,446
196	703,446	2,491	5,543	697,903
197	697,903	2,472	5,562	692,341
198	692,341	2,452	5,582	686,759
199	686,759	2,432	5,602	681,158
200	681,158	2,412	5,621	675,536
201	675,536	2,393	5,641	669,895
202	669,895	2,373	5,661	664,233
203	664,233	2,352	5,681	658,552
204	658,552	2,332	5,702	652,851
205	652,851	2,312	5,722	647,129
206	647,129	2,292	5,742	641,387
207	641,387	2,272	5,762	635,624
208	635,624	2,251	5,783	629,842
209	629,842	2,231	5,803	624,038
210	624,038	2,210	5,824	618,215
211	618,215	2,190	5,844	612,370
212	612,370	2,169	5,865	606,505
213	606,505	2,148	5,886	600,619
214	600,619	2,127	5,907	594,713
215	594,713	2,106	5,928	588,785
216	588,785	2,085	5,949	582,836
217	582,836	2,064	5,970	576,867
218	576,867	2,043	5,991	570,876
219	570,876	2,022	6,012	564,864
220	564,864	2,001	6,033	558,830
221	558,830	1,979	6,055	552,775
222	552,775	1,958	6,076	546,699
223	546,699	1,936	6,098	540,602
224	540,602	1,915	6,119	534,482
225	534,482	1,893	6,141	528,341
226	528,341	1,871	6,163	522,179
227	522,179	1,849	6,185	515,994
228	515,994	1,827	6,206	509,788
229	509,788	1,805	6,228	503,559
230	503,559	1,783	6,250	497,309
231	497,309	1,761	6,273	491,036
232	491,036	1,739	6,295	484,741
233	484,741	1,717	6,317	478,424
234	478,424	1,694	6,340	472,085
235	472,085	1,672	6,362	465,723
236	465,723	1,649	6,384	459,338
237	459,338	1,627	6,407	452,931
238	452,931	1,604	6,430	446,501
239	446,501	1,581	6,453	440,049
240	440,049	1,559	6,475	433,573
241	433,573	1,536	6,498	427,075
242	427,075	1,513	6,521	420,554
243	420,554	1,489	6,544	414,009
244	414,009	1,466	6,568	407,442
245	407,442	1,443	6,591	400,851
246	400,851	1,420	6,614	394,236
247	394,236	1,396	6,638	387,599
248	387,599	1,373	6,661	380,938
249	380,938	1,349	6,685	374,253
250	374,253	1,325	6,708	367,544
251	367,544	1,302	6,732	360,812
252	360,812	1,278	6,756	354,056
253	354,056	1,254	6,780	347,276
254	347,276	1,230	6,804	340,472
255	340,472	1,206	6,828	333,644
256	333,644	1,182	6,852	326,792
257	326,792	1,157	6,877	319,915
258	319,915	1,133	6,901	313,014
259	313,014	1,109	6,925	306,089
260	306,089	1,084	6,950	299,139
261	299,139	1,059	6,974	292,165
262	292,165	1,035	6,999	285,166
263	285,166	1,010	7,024	278,142
264	278,142	985	7,049	271,093
265	271,093	960	7,074	264,019
266	264,019	935	7,099	256,920
267	256,920	910	7,124	249,796
268	249,796	885	7,149	242,647
269	242,647	859	7,175	235,472
270	235,472	834	7,200	228,272
271	228,272	808	7,225	221,047
272	221,047	783	7,251	213,796
273	213,796	757	7,277	206,519
274	206,519	731	7,302	199,217
275	199,217	706	7,328	191,888
276	191,888	680	7,354	184,534
277	184,534	654	7,380	177,154
278	177,154	627	7,407	169,747
279	169,747	601	7,433	162,314
280	162,314	575	7,459	154,855
281	154,855	548	7,485	147,370
282	147,370	522	7,512	139,858
283	139,858	495	7,539	132,319
284	132,319	469	7,565	124,754
285	124,754	442	7,592	117,162
286	117,162	415	7,619	109,543
287	109,543	388	7,646	101,897
288	101,897	361	7,673	94,224
289	94,224	334	7,700	86,524
290	86,524	306	7,727	78,796
291	78,796	279	7,755	71,041
292	71,041	252	7,782	63,259
293	63,259	224	7,810	55,449
294	55,449	196	7,838	47,612
295	47,612	169	7,865	39,746
296	39,746	141	7,893	31,853
297	31,853	113	7,921	23,932
298	23,932	85	7,949	15,983
299	15,983	57	7,977	8,006
300	8,006	28	8,006	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.