REIN Investment · Rove Home Marasi Drive

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 1,147,450

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 1,147,450

Monthly repayment

AED 6,216

Total paid over 25 years

AED 1,864,851

of which interest AED 717,402

Total upfront cash

AED 1,304,857 – AED 1,307,857

DepositAED 1,147,450
DLD transfer fee (4% + admin)AED 92,376
Mortgage registration (0.25% + admin)AED 3,159
Bank arrangement feeAED 11,474
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 45,898

Plus life and property insurance, estimated AED 5,737/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 229,490
During construction · 40%AED 917,960
Upon Handover · 50%AED 1,147,450

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 1,090,077 — you bring AED 57,372 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,147,450	4,064	2,152	1,145,297
2	1,145,297	4,056	2,160	1,143,137
3	1,143,137	4,049	2,168	1,140,970
4	1,140,970	4,041	2,175	1,138,795
5	1,138,795	4,033	2,183	1,136,612
6	1,136,612	4,025	2,191	1,134,421
7	1,134,421	4,018	2,198	1,132,222
8	1,132,222	4,010	2,206	1,130,016
9	1,130,016	4,002	2,214	1,127,802
10	1,127,802	3,994	2,222	1,125,580
11	1,125,580	3,986	2,230	1,123,351
12	1,123,351	3,979	2,238	1,121,113
13	1,121,113	3,971	2,246	1,118,867
14	1,118,867	3,963	2,254	1,116,614
15	1,116,614	3,955	2,261	1,114,352
16	1,114,352	3,947	2,270	1,112,083
17	1,112,083	3,939	2,278	1,109,805
18	1,109,805	3,931	2,286	1,107,520
19	1,107,520	3,922	2,294	1,105,226
20	1,105,226	3,914	2,302	1,102,924
21	1,102,924	3,906	2,310	1,100,614
22	1,100,614	3,898	2,318	1,098,296
23	1,098,296	3,890	2,326	1,095,970
24	1,095,970	3,882	2,335	1,093,635
25	1,093,635	3,873	2,343	1,091,292
26	1,091,292	3,865	2,351	1,088,941
27	1,088,941	3,857	2,360	1,086,582
28	1,086,582	3,848	2,368	1,084,214
29	1,084,214	3,840	2,376	1,081,837
30	1,081,837	3,832	2,385	1,079,453
31	1,079,453	3,823	2,393	1,077,060
32	1,077,060	3,815	2,402	1,074,658
33	1,074,658	3,806	2,410	1,072,248
34	1,072,248	3,798	2,419	1,069,829
35	1,069,829	3,789	2,427	1,067,402
36	1,067,402	3,780	2,436	1,064,966
37	1,064,966	3,772	2,444	1,062,522
38	1,062,522	3,763	2,453	1,060,069
39	1,060,069	3,754	2,462	1,057,607
40	1,057,607	3,746	2,470	1,055,137
41	1,055,137	3,737	2,479	1,052,657
42	1,052,657	3,728	2,488	1,050,169
43	1,050,169	3,719	2,497	1,047,673
44	1,047,673	3,711	2,506	1,045,167
45	1,045,167	3,702	2,515	1,042,652
46	1,042,652	3,693	2,523	1,040,129
47	1,040,129	3,684	2,532	1,037,597
48	1,037,597	3,675	2,541	1,035,055
49	1,035,055	3,666	2,550	1,032,505
50	1,032,505	3,657	2,559	1,029,945
51	1,029,945	3,648	2,568	1,027,377
52	1,027,377	3,639	2,578	1,024,799
53	1,024,799	3,629	2,587	1,022,213
54	1,022,213	3,620	2,596	1,019,617
55	1,019,617	3,611	2,605	1,017,012
56	1,017,012	3,602	2,614	1,014,398
57	1,014,398	3,593	2,624	1,011,774
58	1,011,774	3,583	2,633	1,009,141
59	1,009,141	3,574	2,642	1,006,499
60	1,006,499	3,565	2,651	1,003,848
61	1,003,848	3,555	2,661	1,001,187
62	1,001,187	3,546	2,670	998,517
63	998,517	3,536	2,680	995,837
64	995,837	3,527	2,689	993,148
65	993,148	3,517	2,699	990,449
66	990,449	3,508	2,708	987,740
67	987,740	3,498	2,718	985,023
68	985,023	3,489	2,728	982,295
69	982,295	3,479	2,737	979,558
70	979,558	3,469	2,747	976,811
71	976,811	3,460	2,757	974,054
72	974,054	3,450	2,766	971,288
73	971,288	3,440	2,776	968,512
74	968,512	3,430	2,786	965,726
75	965,726	3,420	2,796	962,930
76	962,930	3,410	2,806	960,124
77	960,124	3,400	2,816	957,308
78	957,308	3,390	2,826	954,482
79	954,482	3,380	2,836	951,647
80	951,647	3,370	2,846	948,801
81	948,801	3,360	2,856	945,945
82	945,945	3,350	2,866	943,079
83	943,079	3,340	2,876	940,203
84	940,203	3,330	2,886	937,317
85	937,317	3,320	2,897	934,420
86	934,420	3,309	2,907	931,514
87	931,514	3,299	2,917	928,597
88	928,597	3,289	2,927	925,669
89	925,669	3,278	2,938	922,731
90	922,731	3,268	2,948	919,783
91	919,783	3,258	2,959	916,825
92	916,825	3,247	2,969	913,855
93	913,855	3,237	2,980	910,876
94	910,876	3,226	2,990	907,886
95	907,886	3,215	3,001	904,885
96	904,885	3,205	3,011	901,874
97	901,874	3,194	3,022	898,852
98	898,852	3,183	3,033	895,819
99	895,819	3,173	3,043	892,775
100	892,775	3,162	3,054	889,721
101	889,721	3,151	3,065	886,656
102	886,656	3,140	3,076	883,580
103	883,580	3,129	3,087	880,493
104	880,493	3,118	3,098	877,396
105	877,396	3,107	3,109	874,287
106	874,287	3,096	3,120	871,167
107	871,167	3,085	3,131	868,036
108	868,036	3,074	3,142	864,894
109	864,894	3,063	3,153	861,741
110	861,741	3,052	3,164	858,577
111	858,577	3,041	3,175	855,402
112	855,402	3,030	3,187	852,215
113	852,215	3,018	3,198	849,017
114	849,017	3,007	3,209	845,808
115	845,808	2,996	3,221	842,587
116	842,587	2,984	3,232	839,355
117	839,355	2,973	3,243	836,112
118	836,112	2,961	3,255	832,857
119	832,857	2,950	3,266	829,591
120	829,591	2,938	3,278	826,313
121	826,313	2,927	3,290	823,023
122	823,023	2,915	3,301	819,722
123	819,722	2,903	3,313	816,409
124	816,409	2,891	3,325	813,084
125	813,084	2,880	3,336	809,747
126	809,747	2,868	3,348	806,399
127	806,399	2,856	3,360	803,039
128	803,039	2,844	3,372	799,667
129	799,667	2,832	3,384	796,283
130	796,283	2,820	3,396	792,887
131	792,887	2,808	3,408	789,479
132	789,479	2,796	3,420	786,059
133	786,059	2,784	3,432	782,626
134	782,626	2,772	3,444	779,182
135	779,182	2,760	3,457	775,726
136	775,726	2,747	3,469	772,257
137	772,257	2,735	3,481	768,776
138	768,776	2,723	3,493	765,282
139	765,282	2,710	3,506	761,776
140	761,776	2,698	3,518	758,258
141	758,258	2,685	3,531	754,728
142	754,728	2,673	3,543	751,184
143	751,184	2,660	3,556	747,629
144	747,629	2,648	3,568	744,060
145	744,060	2,635	3,581	740,479
146	740,479	2,623	3,594	736,886
147	736,886	2,610	3,606	733,279
148	733,279	2,597	3,619	729,660
149	729,660	2,584	3,632	726,028
150	726,028	2,571	3,645	722,383
151	722,383	2,558	3,658	718,726
152	718,726	2,545	3,671	715,055
153	715,055	2,532	3,684	711,371
154	711,371	2,519	3,697	707,675
155	707,675	2,506	3,710	703,965
156	703,965	2,493	3,723	700,242
157	700,242	2,480	3,736	696,506
158	696,506	2,467	3,749	692,756
159	692,756	2,454	3,763	688,994
160	688,994	2,440	3,776	685,218
161	685,218	2,427	3,789	681,428
162	681,428	2,413	3,803	677,626
163	677,626	2,400	3,816	673,809
164	673,809	2,386	3,830	669,979
165	669,979	2,373	3,843	666,136
166	666,136	2,359	3,857	662,279
167	662,279	2,346	3,871	658,409
168	658,409	2,332	3,884	654,524
169	654,524	2,318	3,898	650,626
170	650,626	2,304	3,912	646,714
171	646,714	2,290	3,926	642,789
172	642,789	2,277	3,940	638,849
173	638,849	2,263	3,954	634,895
174	634,895	2,249	3,968	630,928
175	630,928	2,235	3,982	626,946
176	626,946	2,220	3,996	622,951
177	622,951	2,206	4,010	618,941
178	618,941	2,192	4,024	614,917
179	614,917	2,178	4,038	610,878
180	610,878	2,164	4,053	606,826
181	606,826	2,149	4,067	602,759
182	602,759	2,135	4,081	598,677
183	598,677	2,120	4,096	594,581
184	594,581	2,106	4,110	590,471
185	590,471	2,091	4,125	586,346
186	586,346	2,077	4,140	582,206
187	582,206	2,062	4,154	578,052
188	578,052	2,047	4,169	573,883
189	573,883	2,033	4,184	569,700
190	569,700	2,018	4,198	565,501
191	565,501	2,003	4,213	561,288
192	561,288	1,988	4,228	557,060
193	557,060	1,973	4,243	552,816
194	552,816	1,958	4,258	548,558
195	548,558	1,943	4,273	544,285
196	544,285	1,928	4,288	539,996
197	539,996	1,912	4,304	535,693
198	535,693	1,897	4,319	531,374
199	531,374	1,882	4,334	527,039
200	527,039	1,867	4,350	522,690
201	522,690	1,851	4,365	518,325
202	518,325	1,836	4,380	513,944
203	513,944	1,820	4,396	509,548
204	509,548	1,805	4,412	505,137
205	505,137	1,789	4,427	500,710
206	500,710	1,773	4,443	496,267
207	496,267	1,758	4,459	491,808
208	491,808	1,742	4,474	487,334
209	487,334	1,726	4,490	482,844
210	482,844	1,710	4,506	478,338
211	478,338	1,694	4,522	473,816
212	473,816	1,678	4,538	469,278
213	469,278	1,662	4,554	464,723
214	464,723	1,646	4,570	460,153
215	460,153	1,630	4,586	455,567
216	455,567	1,613	4,603	450,964
217	450,964	1,597	4,619	446,345
218	446,345	1,581	4,635	441,710
219	441,710	1,564	4,652	437,058
220	437,058	1,548	4,668	432,390
221	432,390	1,531	4,685	427,705
222	427,705	1,515	4,701	423,003
223	423,003	1,498	4,718	418,285
224	418,285	1,481	4,735	413,551
225	413,551	1,465	4,752	408,799
226	408,799	1,448	4,768	404,031
227	404,031	1,431	4,785	399,246
228	399,246	1,414	4,802	394,443
229	394,443	1,397	4,819	389,624
230	389,624	1,380	4,836	384,788
231	384,788	1,363	4,853	379,935
232	379,935	1,346	4,871	375,064
233	375,064	1,328	4,888	370,176
234	370,176	1,311	4,905	365,271
235	365,271	1,294	4,923	360,349
236	360,349	1,276	4,940	355,409
237	355,409	1,259	4,957	350,451
238	350,451	1,241	4,975	345,476
239	345,476	1,224	4,993	340,484
240	340,484	1,206	5,010	335,473
241	335,473	1,188	5,028	330,445
242	330,445	1,170	5,046	325,399
243	325,399	1,152	5,064	320,336
244	320,336	1,135	5,082	315,254
245	315,254	1,117	5,100	310,154
246	310,154	1,098	5,118	305,037
247	305,037	1,080	5,136	299,901
248	299,901	1,062	5,154	294,747
249	294,747	1,044	5,172	289,575
250	289,575	1,026	5,191	284,384
251	284,384	1,007	5,209	279,175
252	279,175	989	5,227	273,948
253	273,948	970	5,246	268,702
254	268,702	952	5,265	263,437
255	263,437	933	5,283	258,154
256	258,154	914	5,302	252,852
257	252,852	896	5,321	247,531
258	247,531	877	5,339	242,192
259	242,192	858	5,358	236,834
260	236,834	839	5,377	231,456
261	231,456	820	5,396	226,060
262	226,060	801	5,416	220,644
263	220,644	781	5,435	215,209
264	215,209	762	5,454	209,755
265	209,755	743	5,473	204,282
266	204,282	723	5,493	198,789
267	198,789	704	5,512	193,277
268	193,277	685	5,532	187,746
269	187,746	665	5,551	182,194
270	182,194	645	5,571	176,624
271	176,624	626	5,591	171,033
272	171,033	606	5,610	165,423
273	165,423	586	5,630	159,792
274	159,792	566	5,650	154,142
275	154,142	546	5,670	148,472
276	148,472	526	5,690	142,781
277	142,781	506	5,710	137,071
278	137,071	485	5,731	131,340
279	131,340	465	5,751	125,589
280	125,589	445	5,771	119,818
281	119,818	424	5,792	114,026
282	114,026	404	5,812	108,214
283	108,214	383	5,833	102,381
284	102,381	363	5,854	96,527
285	96,527	342	5,874	90,653
286	90,653	321	5,895	84,758
287	84,758	300	5,916	78,842
288	78,842	279	5,937	72,905
289	72,905	258	5,958	66,947
290	66,947	237	5,979	60,968
291	60,968	216	6,000	54,968
292	54,968	195	6,021	48,946
293	48,946	173	6,043	42,903
294	42,903	152	6,064	36,839
295	36,839	130	6,086	30,753
296	30,753	109	6,107	24,646
297	24,646	87	6,129	18,517
298	18,517	66	6,151	12,367
299	12,367	44	6,172	6,194
300	6,194	22	6,194	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.