REIN Investment · Solera Downtown Mina

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 613,500

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 613,500

Monthly repayment

AED 3,324

Total paid over 25 years

AED 997,069

of which interest AED 383,569

Total upfront cash

AED 700,159 – AED 703,159

DepositAED 613,500
DLD transfer fee (4% + admin)AED 49,660
Mortgage registration (0.25% + admin)AED 1,824
Bank arrangement feeAED 6,135
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 24,540

Plus life and property insurance, estimated AED 3,068/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 122,700
During construction · 55%AED 674,850
Upon Handover · 35%AED 429,450

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 582,825 — you bring AED 30,675 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	613,500	2,173	1,151	612,349
2	612,349	2,169	1,155	611,194
3	611,194	2,165	1,159	610,036
4	610,036	2,161	1,163	608,872
5	608,872	2,156	1,167	607,705
6	607,705	2,152	1,171	606,534
7	606,534	2,148	1,175	605,359
8	605,359	2,144	1,180	604,179
9	604,179	2,140	1,184	602,995
10	602,995	2,136	1,188	601,807
11	601,807	2,131	1,192	600,615
12	600,615	2,127	1,196	599,419
13	599,419	2,123	1,201	598,218
14	598,218	2,119	1,205	597,013
15	597,013	2,114	1,209	595,804
16	595,804	2,110	1,213	594,591
17	594,591	2,106	1,218	593,373
18	593,373	2,102	1,222	592,151
19	592,151	2,097	1,226	590,925
20	590,925	2,093	1,231	589,694
21	589,694	2,088	1,235	588,459
22	588,459	2,084	1,239	587,219
23	587,219	2,080	1,244	585,976
24	585,976	2,075	1,248	584,727
25	584,727	2,071	1,253	583,475
26	583,475	2,066	1,257	582,218
27	582,218	2,062	1,262	580,956
28	580,956	2,058	1,266	579,690
29	579,690	2,053	1,270	578,420
30	578,420	2,049	1,275	577,145
31	577,145	2,044	1,280	575,865
32	575,865	2,040	1,284	574,581
33	574,581	2,035	1,289	573,292
34	573,292	2,030	1,293	571,999
35	571,999	2,026	1,298	570,702
36	570,702	2,021	1,302	569,399
37	569,399	2,017	1,307	568,092
38	568,092	2,012	1,312	566,781
39	566,781	2,007	1,316	565,464
40	565,464	2,003	1,321	564,144
41	564,144	1,998	1,326	562,818
42	562,818	1,993	1,330	561,488
43	561,488	1,989	1,335	560,153
44	560,153	1,984	1,340	558,813
45	558,813	1,979	1,344	557,469
46	557,469	1,974	1,349	556,120
47	556,120	1,970	1,354	554,766
48	554,766	1,965	1,359	553,407
49	553,407	1,960	1,364	552,043
50	552,043	1,955	1,368	550,675
51	550,675	1,950	1,373	549,302
52	549,302	1,945	1,378	547,923
53	547,923	1,941	1,383	546,540
54	546,540	1,936	1,388	545,153
55	545,153	1,931	1,393	543,760
56	543,760	1,926	1,398	542,362
57	542,362	1,921	1,403	540,959
58	540,959	1,916	1,408	539,552
59	539,552	1,911	1,413	538,139
60	538,139	1,906	1,418	536,721
61	536,721	1,901	1,423	535,299
62	535,299	1,896	1,428	533,871
63	533,871	1,891	1,433	532,438
64	532,438	1,886	1,438	531,000
65	531,000	1,881	1,443	529,557
66	529,557	1,876	1,448	528,109
67	528,109	1,870	1,453	526,656
68	526,656	1,865	1,458	525,198
69	525,198	1,860	1,463	523,734
70	523,734	1,855	1,469	522,266
71	522,266	1,850	1,474	520,792
72	520,792	1,844	1,479	519,313
73	519,313	1,839	1,484	517,828
74	517,828	1,834	1,490	516,339
75	516,339	1,829	1,495	514,844
76	514,844	1,823	1,500	513,344
77	513,344	1,818	1,505	511,838
78	511,838	1,813	1,511	510,327
79	510,327	1,807	1,516	508,811
80	508,811	1,802	1,522	507,290
81	507,290	1,797	1,527	505,763
82	505,763	1,791	1,532	504,231
83	504,231	1,786	1,538	502,693
84	502,693	1,780	1,543	501,150
85	501,150	1,775	1,549	499,601
86	499,601	1,769	1,554	498,047
87	498,047	1,764	1,560	496,487
88	496,487	1,758	1,565	494,922
89	494,922	1,753	1,571	493,351
90	493,351	1,747	1,576	491,775
91	491,775	1,742	1,582	490,193
92	490,193	1,736	1,587	488,606
93	488,606	1,730	1,593	487,013
94	487,013	1,725	1,599	485,414
95	485,414	1,719	1,604	483,809
96	483,809	1,713	1,610	482,199
97	482,199	1,708	1,616	480,584
98	480,584	1,702	1,621	478,962
99	478,962	1,696	1,627	477,335
100	477,335	1,691	1,633	475,702
101	475,702	1,685	1,639	474,063
102	474,063	1,679	1,645	472,419
103	472,419	1,673	1,650	470,768
104	470,768	1,667	1,656	469,112
105	469,112	1,661	1,662	467,450
106	467,450	1,656	1,668	465,782
107	465,782	1,650	1,674	464,108
108	464,108	1,644	1,680	462,428
109	462,428	1,638	1,686	460,742
110	460,742	1,632	1,692	459,050
111	459,050	1,626	1,698	457,353
112	457,353	1,620	1,704	455,649
113	455,649	1,614	1,710	453,939
114	453,939	1,608	1,716	452,223
115	452,223	1,602	1,722	450,501
116	450,501	1,596	1,728	448,773
117	448,773	1,589	1,734	447,039
118	447,039	1,583	1,740	445,299
119	445,299	1,577	1,746	443,552
120	443,552	1,571	1,753	441,800
121	441,800	1,565	1,759	440,041
122	440,041	1,558	1,765	438,276
123	438,276	1,552	1,771	436,504
124	436,504	1,546	1,778	434,727
125	434,727	1,540	1,784	432,943
126	432,943	1,533	1,790	431,153
127	431,153	1,527	1,797	429,356
128	429,356	1,521	1,803	427,553
129	427,553	1,514	1,809	425,744
130	425,744	1,508	1,816	423,928
131	423,928	1,501	1,822	422,106
132	422,106	1,495	1,829	420,277
133	420,277	1,488	1,835	418,442
134	418,442	1,482	1,842	416,601
135	416,601	1,475	1,848	414,753
136	414,753	1,469	1,855	412,898
137	412,898	1,462	1,861	411,037
138	411,037	1,456	1,868	409,169
139	409,169	1,449	1,874	407,294
140	407,294	1,443	1,881	405,413
141	405,413	1,436	1,888	403,526
142	403,526	1,429	1,894	401,631
143	401,631	1,422	1,901	399,730
144	399,730	1,416	1,908	397,822
145	397,822	1,409	1,915	395,908
146	395,908	1,402	1,921	393,986
147	393,986	1,395	1,928	392,058
148	392,058	1,389	1,935	390,123
149	390,123	1,382	1,942	388,181
150	388,181	1,375	1,949	386,232
151	386,232	1,368	1,956	384,277
152	384,277	1,361	1,963	382,314
153	382,314	1,354	1,970	380,345
154	380,345	1,347	1,977	378,368
155	378,368	1,340	1,984	376,385
156	376,385	1,333	1,991	374,394
157	374,394	1,326	1,998	372,397
158	372,397	1,319	2,005	370,392
159	370,392	1,312	2,012	368,380
160	368,380	1,305	2,019	366,361
161	366,361	1,298	2,026	364,335
162	364,335	1,290	2,033	362,302
163	362,302	1,283	2,040	360,262
164	360,262	1,276	2,048	358,214
165	358,214	1,269	2,055	356,159
166	356,159	1,261	2,062	354,097
167	354,097	1,254	2,069	352,027
168	352,027	1,247	2,077	349,951
169	349,951	1,239	2,084	347,866
170	347,866	1,232	2,092	345,775
171	345,775	1,225	2,099	343,676
172	343,676	1,217	2,106	341,570
173	341,570	1,210	2,114	339,456
174	339,456	1,202	2,121	337,334
175	337,334	1,195	2,129	335,206
176	335,206	1,187	2,136	333,069
177	333,069	1,180	2,144	330,925
178	330,925	1,172	2,152	328,774
179	328,774	1,164	2,159	326,615
180	326,615	1,157	2,167	324,448
181	324,448	1,149	2,174	322,273
182	322,273	1,141	2,182	320,091
183	320,091	1,134	2,190	317,901
184	317,901	1,126	2,198	315,704
185	315,704	1,118	2,205	313,498
186	313,498	1,110	2,213	311,285
187	311,285	1,102	2,221	309,064
188	309,064	1,095	2,229	306,835
189	306,835	1,087	2,237	304,598
190	304,598	1,079	2,245	302,353
191	302,353	1,071	2,253	300,100
192	300,100	1,063	2,261	297,840
193	297,840	1,055	2,269	295,571
194	295,571	1,047	2,277	293,294
195	293,294	1,039	2,285	291,009
196	291,009	1,031	2,293	288,717
197	288,717	1,023	2,301	286,416
198	286,416	1,014	2,309	284,106
199	284,106	1,006	2,317	281,789
200	281,789	998	2,326	279,463
201	279,463	990	2,334	277,130
202	277,130	982	2,342	274,788
203	274,788	973	2,350	272,437
204	272,437	965	2,359	270,079
205	270,079	957	2,367	267,712
206	267,712	948	2,375	265,336
207	265,336	940	2,384	262,952
208	262,952	931	2,392	260,560
209	260,560	923	2,401	258,159
210	258,159	914	2,409	255,750
211	255,750	906	2,418	253,332
212	253,332	897	2,426	250,906
213	250,906	889	2,435	248,471
214	248,471	880	2,444	246,027
215	246,027	871	2,452	243,575
216	243,575	863	2,461	241,114
217	241,114	854	2,470	238,645
218	238,645	845	2,478	236,166
219	236,166	836	2,487	233,679
220	233,679	828	2,496	231,183
221	231,183	819	2,505	228,678
222	228,678	810	2,514	226,165
223	226,165	801	2,523	223,642
224	223,642	792	2,531	221,111
225	221,111	783	2,540	218,570
226	218,570	774	2,549	216,021
227	216,021	765	2,558	213,462
228	213,462	756	2,568	210,895
229	210,895	747	2,577	208,318
230	208,318	738	2,586	205,732
231	205,732	729	2,595	203,137
232	203,137	719	2,604	200,533
233	200,533	710	2,613	197,920
234	197,920	701	2,623	195,297
235	195,297	692	2,632	192,665
236	192,665	682	2,641	190,024
237	190,024	673	2,651	187,374
238	187,374	664	2,660	184,714
239	184,714	654	2,669	182,044
240	182,044	645	2,679	179,366
241	179,366	635	2,688	176,677
242	176,677	626	2,698	173,979
243	173,979	616	2,707	171,272
244	171,272	607	2,717	168,555
245	168,555	597	2,727	165,828
246	165,828	587	2,736	163,092
247	163,092	578	2,746	160,346
248	160,346	568	2,756	157,591
249	157,591	558	2,765	154,825
250	154,825	548	2,775	152,050
251	152,050	539	2,785	149,265
252	149,265	529	2,795	146,470
253	146,470	519	2,805	143,665
254	143,665	509	2,815	140,850
255	140,850	499	2,825	138,026
256	138,026	489	2,835	135,191
257	135,191	479	2,845	132,346
258	132,346	469	2,855	129,491
259	129,491	459	2,865	126,626
260	126,626	448	2,875	123,751
261	123,751	438	2,885	120,866
262	120,866	428	2,895	117,970
263	117,970	418	2,906	115,065
264	115,065	408	2,916	112,149
265	112,149	397	2,926	109,222
266	109,222	387	2,937	106,286
267	106,286	376	2,947	103,338
268	103,338	366	2,958	100,381
269	100,381	356	2,968	97,413
270	97,413	345	2,979	94,434
271	94,434	334	2,989	91,445
272	91,445	324	3,000	88,445
273	88,445	313	3,010	85,435
274	85,435	303	3,021	82,414
275	82,414	292	3,032	79,382
276	79,382	281	3,042	76,340
277	76,340	270	3,053	73,287
278	73,287	260	3,064	70,223
279	70,223	249	3,075	67,148
280	67,148	238	3,086	64,062
281	64,062	227	3,097	60,966
282	60,966	216	3,108	57,858
283	57,858	205	3,119	54,739
284	54,739	194	3,130	51,610
285	51,610	183	3,141	48,469
286	48,469	172	3,152	45,317
287	45,317	160	3,163	42,154
288	42,154	149	3,174	38,980
289	38,980	138	3,186	35,794
290	35,794	127	3,197	32,597
291	32,597	115	3,208	29,389
292	29,389	104	3,219	26,170
293	26,170	93	3,231	22,939
294	22,939	81	3,242	19,697
295	19,697	70	3,254	16,443
296	16,443	58	3,265	13,177
297	13,177	47	3,277	9,900
298	9,900	35	3,288	6,612
299	6,612	23	3,300	3,312
300	3,312	12	3,312	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.