REIN Investment · Samana Ibiza

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 764,794

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 764,794

Monthly repayment

AED 4,143

Total paid over 25 years

AED 1,242,954

of which interest AED 478,160

Total upfront cash

AED 871,499 – AED 874,499

DepositAED 764,794
DLD transfer fee (4% + admin)AED 61,764
Mortgage registration (0.25% + admin)AED 2,202
Bank arrangement feeAED 7,648
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 30,592

Plus life and property insurance, estimated AED 3,824/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 25%AED 382,397
During construction · 50%AED 764,794
Upon Handover · 25%AED 382,397

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 726,554 — you bring AED 38,240 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	764,794	2,709	1,435	763,359
2	763,359	2,704	1,440	761,920
3	761,920	2,698	1,445	760,475
4	760,475	2,693	1,450	759,025
5	759,025	2,688	1,455	757,570
6	757,570	2,683	1,460	756,110
7	756,110	2,678	1,465	754,645
8	754,645	2,673	1,470	753,174
9	753,174	2,667	1,476	751,699
10	751,699	2,662	1,481	750,218
11	750,218	2,657	1,486	748,732
12	748,732	2,652	1,491	747,240
13	747,240	2,646	1,497	745,744
14	745,744	2,641	1,502	744,242
15	744,242	2,636	1,507	742,734
16	742,734	2,631	1,513	741,222
17	741,222	2,625	1,518	739,704
18	739,704	2,620	1,523	738,180
19	738,180	2,614	1,529	736,651
20	736,651	2,609	1,534	735,117
21	735,117	2,604	1,540	733,578
22	733,578	2,598	1,545	732,032
23	732,032	2,593	1,551	730,482
24	730,482	2,587	1,556	728,926
25	728,926	2,582	1,562	727,364
26	727,364	2,576	1,567	725,797
27	725,797	2,571	1,573	724,224
28	724,224	2,565	1,578	722,646
29	722,646	2,559	1,584	721,062
30	721,062	2,554	1,589	719,473
31	719,473	2,548	1,595	717,878
32	717,878	2,542	1,601	716,277
33	716,277	2,537	1,606	714,671
34	714,671	2,531	1,612	713,059
35	713,059	2,525	1,618	711,441
36	711,441	2,520	1,623	709,818
37	709,818	2,514	1,629	708,188
38	708,188	2,508	1,635	706,553
39	706,553	2,502	1,641	704,913
40	704,913	2,497	1,647	703,266
41	703,266	2,491	1,652	701,613
42	701,613	2,485	1,658	699,955
43	699,955	2,479	1,664	698,291
44	698,291	2,473	1,670	696,621
45	696,621	2,467	1,676	694,945
46	694,945	2,461	1,682	693,263
47	693,263	2,455	1,688	691,575
48	691,575	2,449	1,694	689,881
49	689,881	2,443	1,700	688,181
50	688,181	2,437	1,706	686,476
51	686,476	2,431	1,712	684,764
52	684,764	2,425	1,718	683,046
53	683,046	2,419	1,724	681,322
54	681,322	2,413	1,730	679,591
55	679,591	2,407	1,736	677,855
56	677,855	2,401	1,742	676,113
57	676,113	2,395	1,749	674,364
58	674,364	2,388	1,755	672,609
59	672,609	2,382	1,761	670,848
60	670,848	2,376	1,767	669,081
61	669,081	2,370	1,774	667,308
62	667,308	2,363	1,780	665,528
63	665,528	2,357	1,786	663,742
64	663,742	2,351	1,792	661,949
65	661,949	2,344	1,799	660,150
66	660,150	2,338	1,805	658,345
67	658,345	2,332	1,812	656,534
68	656,534	2,325	1,818	654,716
69	654,716	2,319	1,824	652,891
70	652,891	2,312	1,831	651,061
71	651,061	2,306	1,837	649,223
72	649,223	2,299	1,844	647,379
73	647,379	2,293	1,850	645,529
74	645,529	2,286	1,857	643,672
75	643,672	2,280	1,864	641,809
76	641,809	2,273	1,870	639,938
77	639,938	2,266	1,877	638,062
78	638,062	2,260	1,883	636,178
79	636,178	2,253	1,890	634,288
80	634,288	2,246	1,897	632,392
81	632,392	2,240	1,903	630,488
82	630,488	2,233	1,910	628,578
83	628,578	2,226	1,917	626,661
84	626,661	2,219	1,924	624,737
85	624,737	2,213	1,931	622,807
86	622,807	2,206	1,937	620,869
87	620,869	2,199	1,944	618,925
88	618,925	2,192	1,951	616,974
89	616,974	2,185	1,958	615,016
90	615,016	2,178	1,965	613,051
91	613,051	2,171	1,972	611,079
92	611,079	2,164	1,979	609,100
93	609,100	2,157	1,986	607,114
94	607,114	2,150	1,993	605,121
95	605,121	2,143	2,000	603,121
96	603,121	2,136	2,007	601,114
97	601,114	2,129	2,014	599,099
98	599,099	2,122	2,021	597,078
99	597,078	2,115	2,029	595,050
100	595,050	2,107	2,036	593,014
101	593,014	2,100	2,043	590,971
102	590,971	2,093	2,050	588,921
103	588,921	2,086	2,057	586,863
104	586,863	2,078	2,065	584,799
105	584,799	2,071	2,072	582,727
106	582,727	2,064	2,079	580,647
107	580,647	2,056	2,087	578,560
108	578,560	2,049	2,094	576,466
109	576,466	2,042	2,102	574,365
110	574,365	2,034	2,109	572,256
111	572,256	2,027	2,116	570,139
112	570,139	2,019	2,124	568,015
113	568,015	2,012	2,131	565,884
114	565,884	2,004	2,139	563,745
115	563,745	1,997	2,147	561,598
116	561,598	1,989	2,154	559,444
117	559,444	1,981	2,162	557,282
118	557,282	1,974	2,169	555,113
119	555,113	1,966	2,177	552,936
120	552,936	1,958	2,185	550,751
121	550,751	1,951	2,193	548,558
122	548,558	1,943	2,200	546,358
123	546,358	1,935	2,208	544,150
124	544,150	1,927	2,216	541,934
125	541,934	1,919	2,224	539,710
126	539,710	1,911	2,232	537,478
127	537,478	1,904	2,240	535,239
128	535,239	1,896	2,248	532,991
129	532,991	1,888	2,256	530,736
130	530,736	1,880	2,263	528,472
131	528,472	1,872	2,272	526,201
132	526,201	1,864	2,280	523,921
133	523,921	1,856	2,288	521,633
134	521,633	1,847	2,296	519,338
135	519,338	1,839	2,304	517,034
136	517,034	1,831	2,312	514,722
137	514,722	1,823	2,320	512,402
138	512,402	1,815	2,328	510,073
139	510,073	1,807	2,337	507,737
140	507,737	1,798	2,345	505,392
141	505,392	1,790	2,353	503,038
142	503,038	1,782	2,362	500,677
143	500,677	1,773	2,370	498,307
144	498,307	1,765	2,378	495,928
145	495,928	1,756	2,387	493,542
146	493,542	1,748	2,395	491,146
147	491,146	1,739	2,404	488,743
148	488,743	1,731	2,412	486,331
149	486,331	1,722	2,421	483,910
150	483,910	1,714	2,429	481,480
151	481,480	1,705	2,438	479,043
152	479,043	1,697	2,447	476,596
153	476,596	1,688	2,455	474,141
154	474,141	1,679	2,464	471,677
155	471,677	1,671	2,473	469,204
156	469,204	1,662	2,481	466,723
157	466,723	1,653	2,490	464,233
158	464,233	1,644	2,499	461,733
159	461,733	1,635	2,508	459,226
160	459,226	1,626	2,517	456,709
161	456,709	1,618	2,526	454,183
162	454,183	1,609	2,535	451,649
163	451,649	1,600	2,544	449,105
164	449,105	1,591	2,553	446,552
165	446,552	1,582	2,562	443,991
166	443,991	1,572	2,571	441,420
167	441,420	1,563	2,580	438,840
168	438,840	1,554	2,589	436,251
169	436,251	1,545	2,598	433,653
170	433,653	1,536	2,607	431,046
171	431,046	1,527	2,617	428,429
172	428,429	1,517	2,626	425,803
173	425,803	1,508	2,635	423,168
174	423,168	1,499	2,644	420,524
175	420,524	1,489	2,654	417,870
176	417,870	1,480	2,663	415,207
177	415,207	1,471	2,673	412,534
178	412,534	1,461	2,682	409,852
179	409,852	1,452	2,692	407,160
180	407,160	1,442	2,701	404,459
181	404,459	1,432	2,711	401,749
182	401,749	1,423	2,720	399,028
183	399,028	1,413	2,730	396,298
184	396,298	1,404	2,740	393,559
185	393,559	1,394	2,749	390,809
186	390,809	1,384	2,759	388,050
187	388,050	1,374	2,769	385,281
188	385,281	1,365	2,779	382,503
189	382,503	1,355	2,788	379,714
190	379,714	1,345	2,798	376,916
191	376,916	1,335	2,808	374,108
192	374,108	1,325	2,818	371,289
193	371,289	1,315	2,828	368,461
194	368,461	1,305	2,838	365,623
195	365,623	1,295	2,848	362,775
196	362,775	1,285	2,858	359,916
197	359,916	1,275	2,868	357,048
198	357,048	1,265	2,879	354,169
199	354,169	1,254	2,889	351,280
200	351,280	1,244	2,899	348,381
201	348,381	1,234	2,909	345,472
202	345,472	1,224	2,920	342,552
203	342,552	1,213	2,930	339,622
204	339,622	1,203	2,940	336,682
205	336,682	1,192	2,951	333,731
206	333,731	1,182	2,961	330,770
207	330,770	1,171	2,972	327,798
208	327,798	1,161	2,982	324,816
209	324,816	1,150	2,993	321,823
210	321,823	1,140	3,003	318,820
211	318,820	1,129	3,014	315,806
212	315,806	1,118	3,025	312,781
213	312,781	1,108	3,035	309,746
214	309,746	1,097	3,046	306,700
215	306,700	1,086	3,057	303,643
216	303,643	1,075	3,068	300,575
217	300,575	1,065	3,079	297,496
218	297,496	1,054	3,090	294,407
219	294,407	1,043	3,100	291,306
220	291,306	1,032	3,111	288,195
221	288,195	1,021	3,122	285,072
222	285,072	1,010	3,134	281,939
223	281,939	999	3,145	278,794
224	278,794	987	3,156	275,638
225	275,638	976	3,167	272,471
226	272,471	965	3,178	269,293
227	269,293	954	3,189	266,104
228	266,104	942	3,201	262,903
229	262,903	931	3,212	259,691
230	259,691	920	3,223	256,468
231	256,468	908	3,235	253,233
232	253,233	897	3,246	249,986
233	249,986	885	3,258	246,729
234	246,729	874	3,269	243,459
235	243,459	862	3,281	240,178
236	240,178	851	3,293	236,886
237	236,886	839	3,304	233,581
238	233,581	827	3,316	230,266
239	230,266	816	3,328	226,938
240	226,938	804	3,339	223,598
241	223,598	792	3,351	220,247
242	220,247	780	3,363	216,884
243	216,884	768	3,375	213,509
244	213,509	756	3,387	210,122
245	210,122	744	3,399	206,723
246	206,723	732	3,411	203,312
247	203,312	720	3,423	199,889
248	199,889	708	3,435	196,454
249	196,454	696	3,447	193,006
250	193,006	684	3,460	189,547
251	189,547	671	3,472	186,075
252	186,075	659	3,484	182,591
253	182,591	647	3,497	179,094
254	179,094	634	3,509	175,585
255	175,585	622	3,521	172,064
256	172,064	609	3,534	168,530
257	168,530	597	3,546	164,984
258	164,984	584	3,559	161,425
259	161,425	572	3,571	157,853
260	157,853	559	3,584	154,269
261	154,269	546	3,597	150,673
262	150,673	534	3,610	147,063
263	147,063	521	3,622	143,441
264	143,441	508	3,635	139,805
265	139,805	495	3,648	136,157
266	136,157	482	3,661	132,496
267	132,496	469	3,674	128,823
268	128,823	456	3,687	125,136
269	125,136	443	3,700	121,436
270	121,436	430	3,713	117,723
271	117,723	417	3,726	113,996
272	113,996	404	3,739	110,257
273	110,257	390	3,753	106,504
274	106,504	377	3,766	102,738
275	102,738	364	3,779	98,959
276	98,959	350	3,793	95,166
277	95,166	337	3,806	91,360
278	91,360	324	3,820	87,540
279	87,540	310	3,833	83,707
280	83,707	296	3,847	79,861
281	79,861	283	3,860	76,000
282	76,000	269	3,874	72,126
283	72,126	255	3,888	68,238
284	68,238	242	3,902	64,337
285	64,337	228	3,915	60,422
286	60,422	214	3,929	56,492
287	56,492	200	3,943	52,549
288	52,549	186	3,957	48,592
289	48,592	172	3,971	44,621
290	44,621	158	3,985	40,636
291	40,636	144	3,999	36,637
292	36,637	130	4,013	32,623
293	32,623	116	4,028	28,596
294	28,596	101	4,042	24,554
295	24,554	87	4,056	20,498
296	20,498	73	4,071	16,427
297	16,427	58	4,085	12,342
298	12,342	44	4,099	8,243
299	8,243	29	4,114	4,129
300	4,129	15	4,129	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.