REIN Investment · Villa Del Gavi

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 1,980,500

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 1,980,500

Monthly repayment

AED 10,729

Total paid over 25 years

AED 3,218,737

of which interest AED 1,238,237

Total upfront cash

AED 2,248,286 – AED 2,251,286

DepositAED 1,980,500
DLD transfer fee (4% + admin)AED 159,020
Mortgage registration (0.25% + admin)AED 5,241
Bank arrangement feeAED 19,805
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 79,220

Plus life and property insurance, estimated AED 9,903/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 792,200
During construction · 15%AED 594,150
Upon Handover · 65%AED 2,574,650

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 1,881,475 — you bring AED 99,025 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,980,500	7,014	3,715	1,976,785
2	1,976,785	7,001	3,728	1,973,057
3	1,973,057	6,988	3,741	1,969,316
4	1,969,316	6,975	3,754	1,965,561
5	1,965,561	6,961	3,768	1,961,794
6	1,961,794	6,948	3,781	1,958,013
7	1,958,013	6,935	3,794	1,954,218
8	1,954,218	6,921	3,808	1,950,410
9	1,950,410	6,908	3,821	1,946,589
10	1,946,589	6,894	3,835	1,942,754
11	1,942,754	6,881	3,849	1,938,905
12	1,938,905	6,867	3,862	1,935,043
13	1,935,043	6,853	3,876	1,931,167
14	1,931,167	6,840	3,890	1,927,278
15	1,927,278	6,826	3,903	1,923,374
16	1,923,374	6,812	3,917	1,919,457
17	1,919,457	6,798	3,931	1,915,526
18	1,915,526	6,784	3,945	1,911,581
19	1,911,581	6,770	3,959	1,907,622
20	1,907,622	6,756	3,973	1,903,649
21	1,903,649	6,742	3,987	1,899,662
22	1,899,662	6,728	4,001	1,895,661
23	1,895,661	6,714	4,015	1,891,646
24	1,891,646	6,700	4,030	1,887,616
25	1,887,616	6,685	4,044	1,883,572
26	1,883,572	6,671	4,058	1,879,514
27	1,879,514	6,657	4,073	1,875,442
28	1,875,442	6,642	4,087	1,871,355
29	1,871,355	6,628	4,101	1,867,253
30	1,867,253	6,613	4,116	1,863,137
31	1,863,137	6,599	4,131	1,859,007
32	1,859,007	6,584	4,145	1,854,862
33	1,854,862	6,569	4,160	1,850,702
34	1,850,702	6,555	4,175	1,846,527
35	1,846,527	6,540	4,189	1,842,338
36	1,842,338	6,525	4,204	1,838,134
37	1,838,134	6,510	4,219	1,833,915
38	1,833,915	6,495	4,234	1,829,681
39	1,829,681	6,480	4,249	1,825,432
40	1,825,432	6,465	4,264	1,821,168
41	1,821,168	6,450	4,279	1,816,889
42	1,816,889	6,435	4,294	1,812,594
43	1,812,594	6,420	4,310	1,808,285
44	1,808,285	6,404	4,325	1,803,960
45	1,803,960	6,389	4,340	1,799,620
46	1,799,620	6,374	4,355	1,795,264
47	1,795,264	6,358	4,371	1,790,894
48	1,790,894	6,343	4,386	1,786,507
49	1,786,507	6,327	4,402	1,782,105
50	1,782,105	6,312	4,418	1,777,688
51	1,777,688	6,296	4,433	1,773,255
52	1,773,255	6,280	4,449	1,768,806
53	1,768,806	6,265	4,465	1,764,341
54	1,764,341	6,249	4,480	1,759,861
55	1,759,861	6,233	4,496	1,755,364
56	1,755,364	6,217	4,512	1,750,852
57	1,750,852	6,201	4,528	1,746,324
58	1,746,324	6,185	4,544	1,741,780
59	1,741,780	6,169	4,560	1,737,220
60	1,737,220	6,153	4,576	1,732,643
61	1,732,643	6,136	4,593	1,728,050
62	1,728,050	6,120	4,609	1,723,441
63	1,723,441	6,104	4,625	1,718,816
64	1,718,816	6,087	4,642	1,714,175
65	1,714,175	6,071	4,658	1,709,516
66	1,709,516	6,055	4,675	1,704,842
67	1,704,842	6,038	4,691	1,700,151
68	1,700,151	6,021	4,708	1,695,443
69	1,695,443	6,005	4,724	1,690,719
70	1,690,719	5,988	4,741	1,685,977
71	1,685,977	5,971	4,758	1,681,219
72	1,681,219	5,954	4,775	1,676,445
73	1,676,445	5,937	4,792	1,671,653
74	1,671,653	5,920	4,809	1,666,844
75	1,666,844	5,903	4,826	1,662,018
76	1,662,018	5,886	4,843	1,657,176
77	1,657,176	5,869	4,860	1,652,316
78	1,652,316	5,852	4,877	1,647,439
79	1,647,439	5,835	4,894	1,642,544
80	1,642,544	5,817	4,912	1,637,632
81	1,637,632	5,800	4,929	1,632,703
82	1,632,703	5,782	4,947	1,627,757
83	1,627,757	5,765	4,964	1,622,792
84	1,622,792	5,747	4,982	1,617,811
85	1,617,811	5,730	4,999	1,612,811
86	1,612,811	5,712	5,017	1,607,794
87	1,607,794	5,694	5,035	1,602,759
88	1,602,759	5,676	5,053	1,597,707
89	1,597,707	5,659	5,071	1,592,636
90	1,592,636	5,641	5,089	1,587,548
91	1,587,548	5,623	5,107	1,582,441
92	1,582,441	5,604	5,125	1,577,316
93	1,577,316	5,586	5,143	1,572,174
94	1,572,174	5,568	5,161	1,567,013
95	1,567,013	5,550	5,179	1,561,833
96	1,561,833	5,531	5,198	1,556,636
97	1,556,636	5,513	5,216	1,551,420
98	1,551,420	5,495	5,235	1,546,185
99	1,546,185	5,476	5,253	1,540,932
100	1,540,932	5,457	5,272	1,535,660
101	1,535,660	5,439	5,290	1,530,370
102	1,530,370	5,420	5,309	1,525,061
103	1,525,061	5,401	5,328	1,519,733
104	1,519,733	5,382	5,347	1,514,386
105	1,514,386	5,363	5,366	1,509,021
106	1,509,021	5,344	5,385	1,503,636
107	1,503,636	5,325	5,404	1,498,232
108	1,498,232	5,306	5,423	1,492,809
109	1,492,809	5,287	5,442	1,487,367
110	1,487,367	5,268	5,461	1,481,906
111	1,481,906	5,248	5,481	1,476,425
112	1,476,425	5,229	5,500	1,470,925
113	1,470,925	5,210	5,520	1,465,405
114	1,465,405	5,190	5,539	1,459,866
115	1,459,866	5,170	5,559	1,454,308
116	1,454,308	5,151	5,578	1,448,729
117	1,448,729	5,131	5,598	1,443,131
118	1,443,131	5,111	5,618	1,437,513
119	1,437,513	5,091	5,638	1,431,875
120	1,431,875	5,071	5,658	1,426,217
121	1,426,217	5,051	5,678	1,420,539
122	1,420,539	5,031	5,698	1,414,841
123	1,414,841	5,011	5,718	1,409,123
124	1,409,123	4,991	5,738	1,403,384
125	1,403,384	4,970	5,759	1,397,626
126	1,397,626	4,950	5,779	1,391,846
127	1,391,846	4,929	5,800	1,386,047
128	1,386,047	4,909	5,820	1,380,226
129	1,380,226	4,888	5,841	1,374,386
130	1,374,386	4,868	5,862	1,368,524
131	1,368,524	4,847	5,882	1,362,642
132	1,362,642	4,826	5,903	1,356,739
133	1,356,739	4,805	5,924	1,350,815
134	1,350,815	4,784	5,945	1,344,870
135	1,344,870	4,763	5,966	1,338,904
136	1,338,904	4,742	5,987	1,332,917
137	1,332,917	4,721	6,008	1,326,908
138	1,326,908	4,699	6,030	1,320,879
139	1,320,879	4,678	6,051	1,314,828
140	1,314,828	4,657	6,072	1,308,755
141	1,308,755	4,635	6,094	1,302,661
142	1,302,661	4,614	6,116	1,296,546
143	1,296,546	4,592	6,137	1,290,408
144	1,290,408	4,570	6,159	1,284,250
145	1,284,250	4,548	6,181	1,278,069
146	1,278,069	4,526	6,203	1,271,866
147	1,271,866	4,505	6,225	1,265,642
148	1,265,642	4,482	6,247	1,259,395
149	1,259,395	4,460	6,269	1,253,126
150	1,253,126	4,438	6,291	1,246,835
151	1,246,835	4,416	6,313	1,240,522
152	1,240,522	4,394	6,336	1,234,186
153	1,234,186	4,371	6,358	1,227,828
154	1,227,828	4,349	6,381	1,221,448
155	1,221,448	4,326	6,403	1,215,045
156	1,215,045	4,303	6,426	1,208,619
157	1,208,619	4,281	6,449	1,202,170
158	1,202,170	4,258	6,471	1,195,699
159	1,195,699	4,235	6,494	1,189,204
160	1,189,204	4,212	6,517	1,182,687
161	1,182,687	4,189	6,540	1,176,147
162	1,176,147	4,166	6,564	1,169,583
163	1,169,583	4,142	6,587	1,162,996
164	1,162,996	4,119	6,610	1,156,386
165	1,156,386	4,096	6,634	1,149,752
166	1,149,752	4,072	6,657	1,143,095
167	1,143,095	4,048	6,681	1,136,415
168	1,136,415	4,025	6,704	1,129,710
169	1,129,710	4,001	6,728	1,122,982
170	1,122,982	3,977	6,752	1,116,230
171	1,116,230	3,953	6,776	1,109,454
172	1,109,454	3,929	6,800	1,102,655
173	1,102,655	3,905	6,824	1,095,831
174	1,095,831	3,881	6,848	1,088,983
175	1,088,983	3,857	6,872	1,082,110
176	1,082,110	3,832	6,897	1,075,214
177	1,075,214	3,808	6,921	1,068,293
178	1,068,293	3,784	6,946	1,061,347
179	1,061,347	3,759	6,970	1,054,377
180	1,054,377	3,734	6,995	1,047,382
181	1,047,382	3,709	7,020	1,040,362
182	1,040,362	3,685	7,045	1,033,318
183	1,033,318	3,660	7,069	1,026,248
184	1,026,248	3,635	7,094	1,019,154
185	1,019,154	3,610	7,120	1,012,034
186	1,012,034	3,584	7,145	1,004,889
187	1,004,889	3,559	7,170	997,719
188	997,719	3,534	7,196	990,524
189	990,524	3,508	7,221	983,303
190	983,303	3,483	7,247	976,056
191	976,056	3,457	7,272	968,784
192	968,784	3,431	7,298	961,486
193	961,486	3,405	7,324	954,162
194	954,162	3,379	7,350	946,812
195	946,812	3,353	7,376	939,436
196	939,436	3,327	7,402	932,034
197	932,034	3,301	7,428	924,606
198	924,606	3,275	7,454	917,152
199	917,152	3,248	7,481	909,671
200	909,671	3,222	7,507	902,164
201	902,164	3,195	7,534	894,630
202	894,630	3,168	7,561	887,069
203	887,069	3,142	7,587	879,482
204	879,482	3,115	7,614	871,867
205	871,867	3,088	7,641	864,226
206	864,226	3,061	7,668	856,558
207	856,558	3,034	7,695	848,862
208	848,862	3,006	7,723	841,139
209	841,139	2,979	7,750	833,389
210	833,389	2,952	7,778	825,612
211	825,612	2,924	7,805	817,807
212	817,807	2,896	7,833	809,974
213	809,974	2,869	7,860	802,114
214	802,114	2,841	7,888	794,225
215	794,225	2,813	7,916	786,309
216	786,309	2,785	7,944	778,365
217	778,365	2,757	7,972	770,392
218	770,392	2,728	8,001	762,392
219	762,392	2,700	8,029	754,363
220	754,363	2,672	8,057	746,305
221	746,305	2,643	8,086	738,219
222	738,219	2,615	8,115	730,105
223	730,105	2,586	8,143	721,961
224	721,961	2,557	8,172	713,789
225	713,789	2,528	8,201	705,588
226	705,588	2,499	8,230	697,358
227	697,358	2,470	8,259	689,099
228	689,099	2,441	8,289	680,810
229	680,810	2,411	8,318	672,492
230	672,492	2,382	8,347	664,145
231	664,145	2,352	8,377	655,768
232	655,768	2,323	8,407	647,361
233	647,361	2,293	8,436	638,925
234	638,925	2,263	8,466	630,459
235	630,459	2,233	8,496	621,962
236	621,962	2,203	8,526	613,436
237	613,436	2,173	8,557	604,879
238	604,879	2,142	8,587	596,293
239	596,293	2,112	8,617	587,675
240	587,675	2,081	8,648	579,028
241	579,028	2,051	8,678	570,349
242	570,349	2,020	8,709	561,640
243	561,640	1,989	8,740	552,900
244	552,900	1,958	8,771	544,129
245	544,129	1,927	8,802	535,327
246	535,327	1,896	8,833	526,494
247	526,494	1,865	8,864	517,629
248	517,629	1,833	8,896	508,734
249	508,734	1,802	8,927	499,806
250	499,806	1,770	8,959	490,847
251	490,847	1,738	8,991	481,857
252	481,857	1,707	9,023	472,834
253	472,834	1,675	9,055	463,780
254	463,780	1,643	9,087	454,693
255	454,693	1,610	9,119	445,574
256	445,574	1,578	9,151	436,423
257	436,423	1,546	9,183	427,240
258	427,240	1,513	9,216	418,024
259	418,024	1,481	9,249	408,775
260	408,775	1,448	9,281	399,494
261	399,494	1,415	9,314	390,179
262	390,179	1,382	9,347	380,832
263	380,832	1,349	9,380	371,452
264	371,452	1,316	9,414	362,038
265	362,038	1,282	9,447	352,591
266	352,591	1,249	9,480	343,111
267	343,111	1,215	9,514	333,597
268	333,597	1,181	9,548	324,049
269	324,049	1,148	9,581	314,468
270	314,468	1,114	9,615	304,853
271	304,853	1,080	9,649	295,203
272	295,203	1,046	9,684	285,520
273	285,520	1,011	9,718	275,802
274	275,802	977	9,752	266,049
275	266,049	942	9,787	256,262
276	256,262	908	9,822	246,441
277	246,441	873	9,856	236,585
278	236,585	838	9,891	226,693
279	226,693	803	9,926	216,767
280	216,767	768	9,961	206,806
281	206,806	732	9,997	196,809
282	196,809	697	10,032	186,777
283	186,777	662	10,068	176,709
284	176,709	626	10,103	166,606
285	166,606	590	10,139	156,467
286	156,467	554	10,175	146,292
287	146,292	518	10,211	136,081
288	136,081	482	10,247	125,834
289	125,834	446	10,283	115,550
290	115,550	409	10,320	105,231
291	105,231	373	10,356	94,874
292	94,874	336	10,393	84,481
293	84,481	299	10,430	74,051
294	74,051	262	10,467	63,584
295	63,584	225	10,504	53,080
296	53,080	188	10,541	42,539
297	42,539	151	10,578	31,961
298	31,961	113	10,616	21,345
299	21,345	76	10,654	10,691
300	10,691	38	10,691	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.