REIN Investment · Sonate Residences

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 652,940

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 652,940

Monthly repayment

AED 3,537

Total paid over 25 years

AED 1,061,167

of which interest AED 408,227

Total upfront cash

AED 744,824 – AED 747,824

DepositAED 652,940
DLD transfer fee (4% + admin)AED 52,815
Mortgage registration (0.25% + admin)AED 1,922
Bank arrangement feeAED 6,529
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 26,118

Plus life and property insurance, estimated AED 3,265/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 261,176
During construction · 20%AED 261,176
On Handover · 10%AED 130,588
Within 24 months PH · 50%AED 652,940

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 620,293 — you bring AED 32,647 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	652,940	2,312	1,225	651,715
2	651,715	2,308	1,229	650,486
3	650,486	2,304	1,233	649,252
4	649,252	2,299	1,238	648,015
5	648,015	2,295	1,242	646,772
6	646,772	2,291	1,247	645,526
7	645,526	2,286	1,251	644,275
8	644,275	2,282	1,255	643,019
9	643,019	2,277	1,260	641,759
10	641,759	2,273	1,264	640,495
11	640,495	2,268	1,269	639,226
12	639,226	2,264	1,273	637,953
13	637,953	2,259	1,278	636,675
14	636,675	2,255	1,282	635,393
15	635,393	2,250	1,287	634,106
16	634,106	2,246	1,291	632,815
17	632,815	2,241	1,296	631,519
18	631,519	2,237	1,301	630,218
19	630,218	2,232	1,305	628,913
20	628,913	2,227	1,310	627,603
21	627,603	2,223	1,314	626,289
22	626,289	2,218	1,319	624,969
23	624,969	2,213	1,324	623,646
24	623,646	2,209	1,328	622,317
25	622,317	2,204	1,333	620,984
26	620,984	2,199	1,338	619,646
27	619,646	2,195	1,343	618,303
28	618,303	2,190	1,347	616,956
29	616,956	2,185	1,352	615,604
30	615,604	2,180	1,357	614,247
31	614,247	2,175	1,362	612,885
32	612,885	2,171	1,367	611,519
33	611,519	2,166	1,371	610,147
34	610,147	2,161	1,376	608,771
35	608,771	2,156	1,381	607,390
36	607,390	2,151	1,386	606,004
37	606,004	2,146	1,391	604,613
38	604,613	2,141	1,396	603,217
39	603,217	2,136	1,401	601,816
40	601,816	2,131	1,406	600,410
41	600,410	2,126	1,411	598,999
42	598,999	2,121	1,416	597,584
43	597,584	2,116	1,421	596,163
44	596,163	2,111	1,426	594,737
45	594,737	2,106	1,431	593,306
46	593,306	2,101	1,436	591,870
47	591,870	2,096	1,441	590,429
48	590,429	2,091	1,446	588,983
49	588,983	2,086	1,451	587,532
50	587,532	2,081	1,456	586,076
51	586,076	2,076	1,462	584,614
52	584,614	2,071	1,467	583,147
53	583,147	2,065	1,472	581,675
54	581,675	2,060	1,477	580,198
55	580,198	2,055	1,482	578,716
56	578,716	2,050	1,488	577,228
57	577,228	2,044	1,493	575,735
58	575,735	2,039	1,498	574,237
59	574,237	2,034	1,503	572,734
60	572,734	2,028	1,509	571,225
61	571,225	2,023	1,514	569,711
62	569,711	2,018	1,519	568,191
63	568,191	2,012	1,525	566,666
64	566,666	2,007	1,530	565,136
65	565,136	2,002	1,536	563,601
66	563,601	1,996	1,541	562,059
67	562,059	1,991	1,547	560,513
68	560,513	1,985	1,552	558,961
69	558,961	1,980	1,558	557,403
70	557,403	1,974	1,563	555,840
71	555,840	1,969	1,569	554,271
72	554,271	1,963	1,574	552,697
73	552,697	1,957	1,580	551,117
74	551,117	1,952	1,585	549,532
75	549,532	1,946	1,591	547,941
76	547,941	1,941	1,597	546,345
77	546,345	1,935	1,602	544,742
78	544,742	1,929	1,608	543,134
79	543,134	1,924	1,614	541,521
80	541,521	1,918	1,619	539,901
81	539,901	1,912	1,625	538,276
82	538,276	1,906	1,631	536,646
83	536,646	1,901	1,637	535,009
84	535,009	1,895	1,642	533,367
85	533,367	1,889	1,648	531,718
86	531,718	1,883	1,654	530,064
87	530,064	1,877	1,660	528,404
88	528,404	1,871	1,666	526,739
89	526,739	1,866	1,672	525,067
90	525,067	1,860	1,678	523,389
91	523,389	1,854	1,684	521,706
92	521,706	1,848	1,690	520,016
93	520,016	1,842	1,695	518,321
94	518,321	1,836	1,702	516,619
95	516,619	1,830	1,708	514,912
96	514,912	1,824	1,714	513,198
97	513,198	1,818	1,720	511,478
98	511,478	1,811	1,726	509,753
99	509,753	1,805	1,732	508,021
100	508,021	1,799	1,738	506,283
101	506,283	1,793	1,744	504,539
102	504,539	1,787	1,750	502,788
103	502,788	1,781	1,757	501,032
104	501,032	1,774	1,763	499,269
105	499,269	1,768	1,769	497,500
106	497,500	1,762	1,775	495,725
107	495,725	1,756	1,782	493,943
108	493,943	1,749	1,788	492,156
109	492,156	1,743	1,794	490,361
110	490,361	1,737	1,801	488,561
111	488,561	1,730	1,807	486,754
112	486,754	1,724	1,813	484,941
113	484,941	1,717	1,820	483,121
114	483,121	1,711	1,826	481,295
115	481,295	1,705	1,833	479,462
116	479,462	1,698	1,839	477,623
117	477,623	1,692	1,846	475,777
118	475,777	1,685	1,852	473,925
119	473,925	1,678	1,859	472,067
120	472,067	1,672	1,865	470,201
121	470,201	1,665	1,872	468,329
122	468,329	1,659	1,879	466,451
123	466,451	1,652	1,885	464,565
124	464,565	1,645	1,892	462,674
125	462,674	1,639	1,899	460,775
126	460,775	1,632	1,905	458,870
127	458,870	1,625	1,912	456,958
128	456,958	1,618	1,919	455,039
129	455,039	1,612	1,926	453,113
130	453,113	1,605	1,932	451,181
131	451,181	1,598	1,939	449,241
132	449,241	1,591	1,946	447,295
133	447,295	1,584	1,953	445,342
134	445,342	1,577	1,960	443,382
135	443,382	1,570	1,967	441,415
136	441,415	1,563	1,974	439,442
137	439,442	1,556	1,981	437,461
138	437,461	1,549	1,988	435,473
139	435,473	1,542	1,995	433,478
140	433,478	1,535	2,002	431,476
141	431,476	1,528	2,009	429,467
142	429,467	1,521	2,016	427,451
143	427,451	1,514	2,023	425,427
144	425,427	1,507	2,031	423,397
145	423,397	1,500	2,038	421,359
146	421,359	1,492	2,045	419,314
147	419,314	1,485	2,052	417,262
148	417,262	1,478	2,059	415,203
149	415,203	1,471	2,067	413,136
150	413,136	1,463	2,074	411,062
151	411,062	1,456	2,081	408,980
152	408,980	1,448	2,089	406,892
153	406,892	1,441	2,096	404,796
154	404,796	1,434	2,104	402,692
155	402,692	1,426	2,111	400,581
156	400,581	1,419	2,118	398,462
157	398,462	1,411	2,126	396,336
158	396,336	1,404	2,134	394,203
159	394,203	1,396	2,141	392,062
160	392,062	1,389	2,149	389,913
161	389,913	1,381	2,156	387,757
162	387,757	1,373	2,164	385,593
163	385,593	1,366	2,172	383,421
164	383,421	1,358	2,179	381,242
165	381,242	1,350	2,187	379,055
166	379,055	1,342	2,195	376,860
167	376,860	1,335	2,203	374,658
168	374,658	1,327	2,210	372,448
169	372,448	1,319	2,218	370,229
170	370,229	1,311	2,226	368,003
171	368,003	1,303	2,234	365,770
172	365,770	1,295	2,242	363,528
173	363,528	1,287	2,250	361,278
174	361,278	1,280	2,258	359,020
175	359,020	1,272	2,266	356,755
176	356,755	1,264	2,274	354,481
177	354,481	1,255	2,282	352,199
178	352,199	1,247	2,290	349,909
179	349,909	1,239	2,298	347,611
180	347,611	1,231	2,306	345,305
181	345,305	1,223	2,314	342,991
182	342,991	1,215	2,322	340,669
183	340,669	1,207	2,331	338,338
184	338,338	1,198	2,339	335,999
185	335,999	1,190	2,347	333,652
186	333,652	1,182	2,356	331,296
187	331,296	1,173	2,364	328,932
188	328,932	1,165	2,372	326,560
189	326,560	1,157	2,381	324,179
190	324,179	1,148	2,389	321,790
191	321,790	1,140	2,398	319,393
192	319,393	1,131	2,406	316,987
193	316,987	1,123	2,415	314,572
194	314,572	1,114	2,423	312,149
195	312,149	1,106	2,432	309,717
196	309,717	1,097	2,440	307,277
197	307,277	1,088	2,449	304,828
198	304,828	1,080	2,458	302,370
199	302,370	1,071	2,466	299,904
200	299,904	1,062	2,475	297,429
201	297,429	1,053	2,484	294,945
202	294,945	1,045	2,493	292,453
203	292,453	1,036	2,501	289,951
204	289,951	1,027	2,510	287,441
205	287,441	1,018	2,519	284,922
206	284,922	1,009	2,528	282,394
207	282,394	1,000	2,537	279,856
208	279,856	991	2,546	277,310
209	277,310	982	2,555	274,755
210	274,755	973	2,564	272,191
211	272,191	964	2,573	269,618
212	269,618	955	2,582	267,036
213	267,036	946	2,591	264,444
214	264,444	937	2,601	261,843
215	261,843	927	2,610	259,234
216	259,234	918	2,619	256,615
217	256,615	909	2,628	253,986
218	253,986	900	2,638	251,348
219	251,348	890	2,647	248,701
220	248,701	881	2,656	246,045
221	246,045	871	2,666	243,379
222	243,379	862	2,675	240,704
223	240,704	852	2,685	238,019
224	238,019	843	2,694	235,325
225	235,325	833	2,704	232,621
226	232,621	824	2,713	229,908
227	229,908	814	2,723	227,185
228	227,185	805	2,733	224,452
229	224,452	795	2,742	221,710
230	221,710	785	2,752	218,958
231	218,958	775	2,762	216,196
232	216,196	766	2,772	213,425
233	213,425	756	2,781	210,643
234	210,643	746	2,791	207,852
235	207,852	736	2,801	205,051
236	205,051	726	2,811	202,240
237	202,240	716	2,821	199,419
238	199,419	706	2,831	196,588
239	196,588	696	2,841	193,747
240	193,747	686	2,851	190,896
241	190,896	676	2,861	188,035
242	188,035	666	2,871	185,164
243	185,164	656	2,881	182,282
244	182,282	646	2,892	179,391
245	179,391	635	2,902	176,489
246	176,489	625	2,912	173,577
247	173,577	615	2,922	170,654
248	170,654	604	2,933	167,721
249	167,721	594	2,943	164,778
250	164,778	584	2,954	161,825
251	161,825	573	2,964	158,860
252	158,860	563	2,975	155,886
253	155,886	552	2,985	152,901
254	152,901	542	2,996	149,905
255	149,905	531	3,006	146,899
256	146,899	520	3,017	143,882
257	143,882	510	3,028	140,854
258	140,854	499	3,038	137,816
259	137,816	488	3,049	134,767
260	134,767	477	3,060	131,707
261	131,707	466	3,071	128,636
262	128,636	456	3,082	125,554
263	125,554	445	3,093	122,462
264	122,462	434	3,104	119,358
265	119,358	423	3,114	116,244
266	116,244	412	3,126	113,118
267	113,118	401	3,137	109,982
268	109,982	390	3,148	106,834
269	106,834	378	3,159	103,675
270	103,675	367	3,170	100,505
271	100,505	356	3,181	97,324
272	97,324	345	3,193	94,131
273	94,131	333	3,204	90,927
274	90,927	322	3,215	87,712
275	87,712	311	3,227	84,486
276	84,486	299	3,238	81,248
277	81,248	288	3,249	77,998
278	77,998	276	3,261	74,737
279	74,737	265	3,273	71,465
280	71,465	253	3,284	68,181
281	68,181	241	3,296	64,885
282	64,885	230	3,307	61,577
283	61,577	218	3,319	58,258
284	58,258	206	3,331	54,927
285	54,927	195	3,343	51,585
286	51,585	183	3,355	48,230
287	48,230	171	3,366	44,864
288	44,864	159	3,378	41,485
289	41,485	147	3,390	38,095
290	38,095	135	3,402	34,693
291	34,693	123	3,414	31,278
292	31,278	111	3,426	27,852
293	27,852	99	3,439	24,413
294	24,413	86	3,451	20,963
295	20,963	74	3,463	17,500
296	17,500	62	3,475	14,024
297	14,024	50	3,488	10,537
298	10,537	37	3,500	7,037
299	7,037	25	3,512	3,525
300	3,525	12	3,525	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.