REIN Investment · Wellington Ocean

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 1,076,375

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 1,076,375

Monthly repayment

AED 5,831

Total paid over 25 years

AED 1,749,340

of which interest AED 672,965

Total upfront cash

AED 1,224,365 – AED 1,227,365

DepositAED 1,076,375
DLD transfer fee (4% + admin)AED 86,690
Mortgage registration (0.25% + admin)AED 2,981
Bank arrangement feeAED 10,764
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 43,055

Plus life and property insurance, estimated AED 5,382/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 215,275
During construction · 40%AED 861,100
Upon Handover · 5%AED 107,638
Within 45 months PH (1% per month) · 45%AED 968,738

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 1,022,556 — you bring AED 53,819 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,076,375	3,812	2,019	1,074,356
2	1,074,356	3,805	2,026	1,072,330
3	1,072,330	3,798	2,033	1,070,297
4	1,070,297	3,791	2,040	1,068,256
5	1,068,256	3,783	2,048	1,066,208
6	1,066,208	3,776	2,055	1,064,153
7	1,064,153	3,769	2,062	1,062,091
8	1,062,091	3,762	2,070	1,060,022
9	1,060,022	3,754	2,077	1,057,945
10	1,057,945	3,747	2,084	1,055,860
11	1,055,860	3,740	2,092	1,053,769
12	1,053,769	3,732	2,099	1,051,670
13	1,051,670	3,725	2,106	1,049,563
14	1,049,563	3,717	2,114	1,047,449
15	1,047,449	3,710	2,121	1,045,328
16	1,045,328	3,702	2,129	1,043,199
17	1,043,199	3,695	2,136	1,041,063
18	1,041,063	3,687	2,144	1,038,919
19	1,038,919	3,680	2,152	1,036,767
20	1,036,767	3,672	2,159	1,034,608
21	1,034,608	3,664	2,167	1,032,441
22	1,032,441	3,657	2,175	1,030,266
23	1,030,266	3,649	2,182	1,028,084
24	1,028,084	3,641	2,190	1,025,894
25	1,025,894	3,633	2,198	1,023,696
26	1,023,696	3,626	2,206	1,021,491
27	1,021,491	3,618	2,213	1,019,277
28	1,019,277	3,610	2,221	1,017,056
29	1,017,056	3,602	2,229	1,014,827
30	1,014,827	3,594	2,237	1,012,590
31	1,012,590	3,586	2,245	1,010,345
32	1,010,345	3,578	2,253	1,008,092
33	1,008,092	3,570	2,261	1,005,832
34	1,005,832	3,562	2,269	1,003,563
35	1,003,563	3,554	2,277	1,001,286
36	1,001,286	3,546	2,285	999,001
37	999,001	3,538	2,293	996,708
38	996,708	3,530	2,301	994,407
39	994,407	3,522	2,309	992,098
40	992,098	3,514	2,317	989,780
41	989,780	3,505	2,326	987,454
42	987,454	3,497	2,334	985,121
43	985,121	3,489	2,342	982,778
44	982,778	3,481	2,350	980,428
45	980,428	3,472	2,359	978,069
46	978,069	3,464	2,367	975,702
47	975,702	3,456	2,376	973,326
48	973,326	3,447	2,384	970,943
49	970,943	3,439	2,392	968,550
50	968,550	3,430	2,401	966,149
51	966,149	3,422	2,409	963,740
52	963,740	3,413	2,418	961,322
53	961,322	3,405	2,426	958,896
54	958,896	3,396	2,435	956,461
55	956,461	3,387	2,444	954,017
56	954,017	3,379	2,452	951,565
57	951,565	3,370	2,461	949,104
58	949,104	3,361	2,470	946,634
59	946,634	3,353	2,478	944,155
60	944,155	3,344	2,487	941,668
61	941,668	3,335	2,496	939,172
62	939,172	3,326	2,505	936,667
63	936,667	3,317	2,514	934,153
64	934,153	3,308	2,523	931,631
65	931,631	3,300	2,532	929,099
66	929,099	3,291	2,541	926,559
67	926,559	3,282	2,550	924,009
68	924,009	3,273	2,559	921,450
69	921,450	3,263	2,568	918,883
70	918,883	3,254	2,577	916,306
71	916,306	3,245	2,586	913,720
72	913,720	3,236	2,595	911,125
73	911,125	3,227	2,604	908,521
74	908,521	3,218	2,613	905,907
75	905,907	3,208	2,623	903,285
76	903,285	3,199	2,632	900,653
77	900,653	3,190	2,641	898,011
78	898,011	3,180	2,651	895,361
79	895,361	3,171	2,660	892,701
80	892,701	3,162	2,669	890,031
81	890,031	3,152	2,679	887,352
82	887,352	3,143	2,688	884,664
83	884,664	3,133	2,698	881,966
84	881,966	3,124	2,708	879,258
85	879,258	3,114	2,717	876,541
86	876,541	3,104	2,727	873,814
87	873,814	3,095	2,736	871,078
88	871,078	3,085	2,746	868,332
89	868,332	3,075	2,756	865,576
90	865,576	3,066	2,766	862,811
91	862,811	3,056	2,775	860,035
92	860,035	3,046	2,785	857,250
93	857,250	3,036	2,795	854,455
94	854,455	3,026	2,805	851,650
95	851,650	3,016	2,815	848,835
96	848,835	3,006	2,825	846,010
97	846,010	2,996	2,835	843,176
98	843,176	2,986	2,845	840,331
99	840,331	2,976	2,855	837,476
100	837,476	2,966	2,865	834,611
101	834,611	2,956	2,875	831,735
102	831,735	2,946	2,885	828,850
103	828,850	2,936	2,896	825,954
104	825,954	2,925	2,906	823,049
105	823,049	2,915	2,916	820,132
106	820,132	2,905	2,926	817,206
107	817,206	2,894	2,937	814,269
108	814,269	2,884	2,947	811,322
109	811,322	2,873	2,958	808,364
110	808,364	2,863	2,968	805,396
111	805,396	2,852	2,979	802,417
112	802,417	2,842	2,989	799,428
113	799,428	2,831	3,000	796,428
114	796,428	2,821	3,010	793,418
115	793,418	2,810	3,021	790,397
116	790,397	2,799	3,032	787,365
117	787,365	2,789	3,043	784,322
118	784,322	2,778	3,053	781,269
119	781,269	2,767	3,064	778,205
120	778,205	2,756	3,075	775,130
121	775,130	2,745	3,086	772,044
122	772,044	2,734	3,097	768,947
123	768,947	2,723	3,108	765,839
124	765,839	2,712	3,119	762,720
125	762,720	2,701	3,130	759,591
126	759,591	2,690	3,141	756,450
127	756,450	2,679	3,152	753,298
128	753,298	2,668	3,163	750,134
129	750,134	2,657	3,174	746,960
130	746,960	2,645	3,186	743,774
131	743,774	2,634	3,197	740,577
132	740,577	2,623	3,208	737,369
133	737,369	2,612	3,220	734,150
134	734,150	2,600	3,231	730,919
135	730,919	2,589	3,242	727,676
136	727,676	2,577	3,254	724,422
137	724,422	2,566	3,265	721,157
138	721,157	2,554	3,277	717,880
139	717,880	2,542	3,289	714,591
140	714,591	2,531	3,300	711,291
141	711,291	2,519	3,312	707,979
142	707,979	2,507	3,324	704,655
143	704,655	2,496	3,335	701,320
144	701,320	2,484	3,347	697,972
145	697,972	2,472	3,359	694,613
146	694,613	2,460	3,371	691,242
147	691,242	2,448	3,383	687,859
148	687,859	2,436	3,395	684,464
149	684,464	2,424	3,407	681,057
150	681,057	2,412	3,419	677,638
151	677,638	2,400	3,431	674,207
152	674,207	2,388	3,443	670,764
153	670,764	2,376	3,456	667,308
154	667,308	2,363	3,468	663,840
155	663,840	2,351	3,480	660,360
156	660,360	2,339	3,492	656,868
157	656,868	2,326	3,505	653,363
158	653,363	2,314	3,517	649,846
159	649,846	2,302	3,530	646,316
160	646,316	2,289	3,542	642,774
161	642,774	2,276	3,555	639,220
162	639,220	2,264	3,567	635,653
163	635,653	2,251	3,580	632,073
164	632,073	2,239	3,593	628,480
165	628,480	2,226	3,605	624,875
166	624,875	2,213	3,618	621,257
167	621,257	2,200	3,631	617,626
168	617,626	2,187	3,644	613,982
169	613,982	2,175	3,657	610,326
170	610,326	2,162	3,670	606,656
171	606,656	2,149	3,683	602,974
172	602,974	2,136	3,696	599,278
173	599,278	2,122	3,709	595,569
174	595,569	2,109	3,722	591,847
175	591,847	2,096	3,735	588,112
176	588,112	2,083	3,748	584,364
177	584,364	2,070	3,762	580,603
178	580,603	2,056	3,775	576,828
179	576,828	2,043	3,788	573,040
180	573,040	2,030	3,802	569,238
181	569,238	2,016	3,815	565,423
182	565,423	2,003	3,829	561,594
183	561,594	1,989	3,842	557,752
184	557,752	1,975	3,856	553,896
185	553,896	1,962	3,869	550,027
186	550,027	1,948	3,883	546,144
187	546,144	1,934	3,897	542,247
188	542,247	1,920	3,911	538,336
189	538,336	1,907	3,925	534,412
190	534,412	1,893	3,938	530,473
191	530,473	1,879	3,952	526,521
192	526,521	1,865	3,966	522,555
193	522,555	1,851	3,980	518,574
194	518,574	1,837	3,995	514,580
195	514,580	1,822	4,009	510,571
196	510,571	1,808	4,023	506,548
197	506,548	1,794	4,037	502,511
198	502,511	1,780	4,051	498,460
199	498,460	1,765	4,066	494,394
200	494,394	1,751	4,080	490,314
201	490,314	1,737	4,095	486,219
202	486,219	1,722	4,109	482,110
203	482,110	1,707	4,124	477,986
204	477,986	1,693	4,138	473,848
205	473,848	1,678	4,153	469,695
206	469,695	1,664	4,168	465,528
207	465,528	1,649	4,182	461,345
208	461,345	1,634	4,197	457,148
209	457,148	1,619	4,212	452,936
210	452,936	1,604	4,227	448,709
211	448,709	1,589	4,242	444,467
212	444,467	1,574	4,257	440,210
213	440,210	1,559	4,272	435,938
214	435,938	1,544	4,287	431,651
215	431,651	1,529	4,302	427,348
216	427,348	1,514	4,318	423,031
217	423,031	1,498	4,333	418,698
218	418,698	1,483	4,348	414,350
219	414,350	1,467	4,364	409,986
220	409,986	1,452	4,379	405,607
221	405,607	1,437	4,395	401,212
222	401,212	1,421	4,410	396,802
223	396,802	1,405	4,426	392,376
224	392,376	1,390	4,441	387,935
225	387,935	1,374	4,457	383,478
226	383,478	1,358	4,473	379,005
227	379,005	1,342	4,489	374,516
228	374,516	1,326	4,505	370,011
229	370,011	1,310	4,521	365,490
230	365,490	1,294	4,537	360,954
231	360,954	1,278	4,553	356,401
232	356,401	1,262	4,569	351,832
233	351,832	1,246	4,585	347,247
234	347,247	1,230	4,601	342,646
235	342,646	1,214	4,618	338,028
236	338,028	1,197	4,634	333,394
237	333,394	1,181	4,650	328,744
238	328,744	1,164	4,667	324,077
239	324,077	1,148	4,683	319,394
240	319,394	1,131	4,700	314,694
241	314,694	1,115	4,717	309,977
242	309,977	1,098	4,733	305,244
243	305,244	1,081	4,750	300,494
244	300,494	1,064	4,767	295,727
245	295,727	1,047	4,784	290,943
246	290,943	1,030	4,801	286,142
247	286,142	1,013	4,818	281,325
248	281,325	996	4,835	276,490
249	276,490	979	4,852	271,638
250	271,638	962	4,869	266,769
251	266,769	945	4,886	261,883
252	261,883	928	4,904	256,979
253	256,979	910	4,921	252,058
254	252,058	893	4,938	247,119
255	247,119	875	4,956	242,164
256	242,164	858	4,973	237,190
257	237,190	840	4,991	232,199
258	232,199	822	5,009	227,190
259	227,190	805	5,027	222,164
260	222,164	787	5,044	217,119
261	217,119	769	5,062	212,057
262	212,057	751	5,080	206,977
263	206,977	733	5,098	201,879
264	201,879	715	5,116	196,763
265	196,763	697	5,134	191,629
266	191,629	679	5,152	186,476
267	186,476	660	5,171	181,306
268	181,306	642	5,189	176,117
269	176,117	624	5,207	170,909
270	170,909	605	5,226	165,683
271	165,683	587	5,244	160,439
272	160,439	568	5,263	155,176
273	155,176	550	5,282	149,894
274	149,894	531	5,300	144,594
275	144,594	512	5,319	139,275
276	139,275	493	5,338	133,937
277	133,937	474	5,357	128,581
278	128,581	455	5,376	123,205
279	123,205	436	5,395	117,810
280	117,810	417	5,414	112,396
281	112,396	398	5,433	106,963
282	106,963	379	5,452	101,511
283	101,511	360	5,472	96,039
284	96,039	340	5,491	90,548
285	90,548	321	5,510	85,038
286	85,038	301	5,530	79,508
287	79,508	282	5,550	73,958
288	73,958	262	5,569	68,389
289	68,389	242	5,589	62,800
290	62,800	222	5,609	57,191
291	57,191	203	5,629	51,563
292	51,563	183	5,649	45,914
293	45,914	163	5,669	40,246
294	40,246	143	5,689	34,557
295	34,557	122	5,709	28,848
296	28,848	102	5,729	23,119
297	23,119	82	5,749	17,370
298	17,370	62	5,770	11,601
299	11,601	41	5,790	5,811
300	5,811	21	5,811	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.