REIN Investment · UAE

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 1,000,000

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 1,000,000

Monthly repayment

AED 5,417

Total paid over 25 years

AED 1,625,214

of which interest AED 625,214

Total upfront cash

AED 1,137,870 – AED 1,140,870

DepositAED 1,000,000
DLD transfer fee (4% + admin)AED 80,580
Mortgage registration (0.25% + admin)AED 2,790
Bank arrangement feeAED 10,000
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 40,000

Plus life and property insurance, estimated AED 5,000/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

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 950,000 — you bring AED 50,000 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,000,000	3,542	1,876	998,124
2	998,124	3,535	1,882	996,242
3	996,242	3,528	1,889	994,353
4	994,353	3,522	1,896	992,457
5	992,457	3,515	1,902	990,555
6	990,555	3,508	1,909	988,646
7	988,646	3,501	1,916	986,730
8	986,730	3,495	1,923	984,807
9	984,807	3,488	1,930	982,877
10	982,877	3,481	1,936	980,941
11	980,941	3,474	1,943	978,998
12	978,998	3,467	1,950	977,048
13	977,048	3,460	1,957	975,091
14	975,091	3,453	1,964	973,127
15	973,127	3,446	1,971	971,156
16	971,156	3,440	1,978	969,178
17	969,178	3,433	1,985	967,193
18	967,193	3,425	1,992	965,201
19	965,201	3,418	1,999	963,202
20	963,202	3,411	2,006	961,196
21	961,196	3,404	2,013	959,183
22	959,183	3,397	2,020	957,163
23	957,163	3,390	2,027	955,135
24	955,135	3,383	2,035	953,101
25	953,101	3,376	2,042	951,059
26	951,059	3,368	2,049	949,010
27	949,010	3,361	2,056	946,954
28	946,954	3,354	2,064	944,890
29	944,890	3,346	2,071	942,819
30	942,819	3,339	2,078	940,741
31	940,741	3,332	2,086	938,655
32	938,655	3,324	2,093	936,562
33	936,562	3,317	2,100	934,462
34	934,462	3,310	2,108	932,354
35	932,354	3,302	2,115	930,239
36	930,239	3,295	2,123	928,116
37	928,116	3,287	2,130	925,986
38	925,986	3,280	2,138	923,848
39	923,848	3,272	2,145	921,703
40	921,703	3,264	2,153	919,549
41	919,549	3,257	2,161	917,389
42	917,389	3,249	2,168	915,221
43	915,221	3,241	2,176	913,045
44	913,045	3,234	2,184	910,861
45	910,861	3,226	2,191	908,669
46	908,669	3,218	2,199	906,470
47	906,470	3,210	2,207	904,263
48	904,263	3,203	2,215	902,049
49	902,049	3,195	2,223	899,826
50	899,826	3,187	2,230	897,595
51	897,595	3,179	2,238	895,357
52	895,357	3,171	2,246	893,111
53	893,111	3,163	2,254	890,856
54	890,856	3,155	2,262	888,594
55	888,594	3,147	2,270	886,324
56	886,324	3,139	2,278	884,046
57	884,046	3,131	2,286	881,759
58	881,759	3,123	2,294	879,465
59	879,465	3,115	2,303	877,162
60	877,162	3,107	2,311	874,851
61	874,851	3,098	2,319	872,532
62	872,532	3,090	2,327	870,205
63	870,205	3,082	2,335	867,870
64	867,870	3,074	2,344	865,526
65	865,526	3,065	2,352	863,174
66	863,174	3,057	2,360	860,814
67	860,814	3,049	2,369	858,445
68	858,445	3,040	2,377	856,068
69	856,068	3,032	2,385	853,683
70	853,683	3,023	2,394	851,289
71	851,289	3,015	2,402	848,886
72	848,886	3,006	2,411	846,475
73	846,475	2,998	2,419	844,056
74	844,056	2,989	2,428	841,628
75	841,628	2,981	2,437	839,191
76	839,191	2,972	2,445	836,746
77	836,746	2,963	2,454	834,292
78	834,292	2,955	2,463	831,830
79	831,830	2,946	2,471	829,358
80	829,358	2,937	2,480	826,878
81	826,878	2,929	2,489	824,389
82	824,389	2,920	2,498	821,892
83	821,892	2,911	2,507	819,385
84	819,385	2,902	2,515	816,870
85	816,870	2,893	2,524	814,345
86	814,345	2,884	2,533	811,812
87	811,812	2,875	2,542	809,270
88	809,270	2,866	2,551	806,719
89	806,719	2,857	2,560	804,159
90	804,159	2,848	2,569	801,589
91	801,589	2,839	2,578	799,011
92	799,011	2,830	2,588	796,423
93	796,423	2,821	2,597	793,827
94	793,827	2,811	2,606	791,221
95	791,221	2,802	2,615	788,606
96	788,606	2,793	2,624	785,981
97	785,981	2,784	2,634	783,347
98	783,347	2,774	2,643	780,704
99	780,704	2,765	2,652	778,052
100	778,052	2,756	2,662	775,390
101	775,390	2,746	2,671	772,719
102	772,719	2,737	2,681	770,038
103	770,038	2,727	2,690	767,348
104	767,348	2,718	2,700	764,648
105	764,648	2,708	2,709	761,939
106	761,939	2,699	2,719	759,220
107	759,220	2,689	2,728	756,492
108	756,492	2,679	2,738	753,754
109	753,754	2,670	2,748	751,006
110	751,006	2,660	2,758	748,248
111	748,248	2,650	2,767	745,481
112	745,481	2,640	2,777	742,704
113	742,704	2,630	2,787	739,917
114	739,917	2,621	2,797	737,120
115	737,120	2,611	2,807	734,313
116	734,313	2,601	2,817	731,497
117	731,497	2,591	2,827	728,670
118	728,670	2,581	2,837	725,833
119	725,833	2,571	2,847	722,987
120	722,987	2,561	2,857	720,130
121	720,130	2,550	2,867	717,263
122	717,263	2,540	2,877	714,386
123	714,386	2,530	2,887	711,499
124	711,499	2,520	2,897	708,601
125	708,601	2,510	2,908	705,693
126	705,693	2,499	2,918	702,775
127	702,775	2,489	2,928	699,847
128	699,847	2,479	2,939	696,908
129	696,908	2,468	2,949	693,959
130	693,959	2,458	2,960	690,999
131	690,999	2,447	2,970	688,029
132	688,029	2,437	2,981	685,049
133	685,049	2,426	2,991	682,057
134	682,057	2,416	3,002	679,056
135	679,056	2,405	3,012	676,043
136	676,043	2,394	3,023	673,020
137	673,020	2,384	3,034	669,986
138	669,986	2,373	3,045	666,942
139	666,942	2,362	3,055	663,887
140	663,887	2,351	3,066	660,821
141	660,821	2,340	3,077	657,744
142	657,744	2,330	3,088	654,656
143	654,656	2,319	3,099	651,557
144	651,557	2,308	3,110	648,447
145	648,447	2,297	3,121	645,326
146	645,326	2,286	3,132	642,194
147	642,194	2,274	3,143	639,052
148	639,052	2,263	3,154	635,897
149	635,897	2,252	3,165	632,732
150	632,732	2,241	3,176	629,556
151	629,556	2,230	3,188	626,368
152	626,368	2,218	3,199	623,169
153	623,169	2,207	3,210	619,959
154	619,959	2,196	3,222	616,737
155	616,737	2,184	3,233	613,504
156	613,504	2,173	3,245	610,259
157	610,259	2,161	3,256	607,003
158	607,003	2,150	3,268	603,736
159	603,736	2,138	3,279	600,457
160	600,457	2,127	3,291	597,166
161	597,166	2,115	3,302	593,863
162	593,863	2,103	3,314	590,549
163	590,549	2,092	3,326	587,223
164	587,223	2,080	3,338	583,886
165	583,886	2,068	3,349	580,536
166	580,536	2,056	3,361	577,175
167	577,175	2,044	3,373	573,802
168	573,802	2,032	3,385	570,417
169	570,417	2,020	3,397	567,020
170	567,020	2,008	3,409	563,610
171	563,610	1,996	3,421	560,189
172	560,189	1,984	3,433	556,756
173	556,756	1,972	3,446	553,310
174	553,310	1,960	3,458	549,852
175	549,852	1,947	3,470	546,382
176	546,382	1,935	3,482	542,900
177	542,900	1,923	3,495	539,406
178	539,406	1,910	3,507	535,899
179	535,899	1,898	3,519	532,379
180	532,379	1,886	3,532	528,847
181	528,847	1,873	3,544	525,303
182	525,303	1,860	3,557	521,746
183	521,746	1,848	3,570	518,176
184	518,176	1,835	3,582	514,594
185	514,594	1,823	3,595	510,999
186	510,999	1,810	3,608	507,392
187	507,392	1,797	3,620	503,771
188	503,771	1,784	3,633	500,138
189	500,138	1,771	3,646	496,492
190	496,492	1,758	3,659	492,833
191	492,833	1,745	3,672	489,161
192	489,161	1,732	3,685	485,476
193	485,476	1,719	3,698	481,778
194	481,778	1,706	3,711	478,067
195	478,067	1,693	3,724	474,343
196	474,343	1,680	3,737	470,606
197	470,606	1,667	3,751	466,855
198	466,855	1,653	3,764	463,091
199	463,091	1,640	3,777	459,314
200	459,314	1,627	3,791	455,523
201	455,523	1,613	3,804	451,719
202	451,719	1,600	3,818	447,902
203	447,902	1,586	3,831	444,070
204	444,070	1,573	3,845	440,226
205	440,226	1,559	3,858	436,368
206	436,368	1,545	3,872	432,496
207	432,496	1,532	3,886	428,610
208	428,610	1,518	3,899	424,711
209	424,711	1,504	3,913	420,797
210	420,797	1,490	3,927	416,870
211	416,870	1,476	3,941	412,929
212	412,929	1,462	3,955	408,975
213	408,975	1,448	3,969	405,006
214	405,006	1,434	3,983	401,023
215	401,023	1,420	3,997	397,026
216	397,026	1,406	4,011	393,014
217	393,014	1,392	4,025	388,989
218	388,989	1,378	4,040	384,949
219	384,949	1,363	4,054	380,895
220	380,895	1,349	4,068	376,827
221	376,827	1,335	4,083	372,744
222	372,744	1,320	4,097	368,647
223	368,647	1,306	4,112	364,535
224	364,535	1,291	4,126	360,409
225	360,409	1,276	4,141	356,268
226	356,268	1,262	4,156	352,112
227	352,112	1,247	4,170	347,942
228	347,942	1,232	4,185	343,757
229	343,757	1,217	4,200	339,557
230	339,557	1,203	4,215	335,342
231	335,342	1,188	4,230	331,112
232	331,112	1,173	4,245	326,868
233	326,868	1,158	4,260	322,608
234	322,608	1,143	4,275	318,333
235	318,333	1,127	4,290	314,043
236	314,043	1,112	4,305	309,738
237	309,738	1,097	4,320	305,418
238	305,418	1,082	4,336	301,082
239	301,082	1,066	4,351	296,731
240	296,731	1,051	4,366	292,364
241	292,364	1,035	4,382	287,982
242	287,982	1,020	4,397	283,585
243	283,585	1,004	4,413	279,172
244	279,172	989	4,429	274,743
245	274,743	973	4,444	270,299
246	270,299	957	4,460	265,839
247	265,839	942	4,476	261,363
248	261,363	926	4,492	256,871
249	256,871	910	4,508	252,364
250	252,364	894	4,524	247,840
251	247,840	878	4,540	243,300
252	243,300	862	4,556	238,745
253	238,745	846	4,572	234,173
254	234,173	829	4,588	229,585
255	229,585	813	4,604	224,981
256	224,981	797	4,621	220,360
257	220,360	780	4,637	215,723
258	215,723	764	4,653	211,070
259	211,070	748	4,670	206,400
260	206,400	731	4,686	201,714
261	201,714	714	4,703	197,011
262	197,011	698	4,720	192,291
263	192,291	681	4,736	187,555
264	187,555	664	4,753	182,801
265	182,801	647	4,770	178,032
266	178,032	631	4,787	173,245
267	173,245	614	4,804	168,441
268	168,441	597	4,821	163,620
269	163,620	579	4,838	158,782
270	158,782	562	4,855	153,927
271	153,927	545	4,872	149,055
272	149,055	528	4,889	144,165
273	144,165	511	4,907	139,259
274	139,259	493	4,924	134,334
275	134,334	476	4,942	129,393
276	129,393	458	4,959	124,434
277	124,434	441	4,977	119,457
278	119,457	423	4,994	114,463
279	114,463	405	5,012	109,451
280	109,451	388	5,030	104,421
281	104,421	370	5,048	99,373
282	99,373	352	5,065	94,308
283	94,308	334	5,083	89,225
284	89,225	316	5,101	84,123
285	84,123	298	5,119	79,004
286	79,004	280	5,138	73,866
287	73,866	262	5,156	68,710
288	68,710	243	5,174	63,536
289	63,536	225	5,192	58,344
290	58,344	207	5,211	53,133
291	53,133	188	5,229	47,904
292	47,904	170	5,248	42,656
293	42,656	151	5,266	37,390
294	37,390	132	5,285	32,105
295	32,105	114	5,304	26,801
296	26,801	95	5,322	21,479
297	21,479	76	5,341	16,138
298	16,138	57	5,360	10,777
299	10,777	38	5,379	5,398
300	5,398	19	5,398	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.