UAE mortgage calculator
Work out the monthly instalment on a UAE mortgage from the loan amount, rate and term. Compare a fixed rate with the variable EIBOR-plus-margin rate it reverts to, test overpayments and see the full purchase fees. Inputs are saved in the page link so you can share a scenario; no personal data is stored.
Your results
Monthly instalment
AED 8,226
For the first 1 year at a fixed 3.75%, on AED 1,600,000 over 25 years.
- Loan amount
- AED 1,600,000
- Deposit
- AED 400,000
- From year 2 (EIBOR + margin)
- AED 9,587 a month
Full breakdown and purchase fees
After the fixed period
AED 9,587 a monthFrom year 2 at 5.3% (EIBOR 4.3% + margin 1%).
Balance after the fixed period
AED 1,560,614Still owed after 1 year.
Overpayment saving
AED 159,158 less interestPaying AED 1,000 extra each month clears the loan about 4 years 1 month sooner (modelled at 3.75% throughout).
Up to 30% a year without charge with some banks. Above that, or when you settle early, banks usually charge 1% of the amount. Some banks waive it after 5 years with the same bank.
Purchase fees itemised
| Fee | Amount |
|---|---|
| DLD transfer fee4% of the price + AED 580 title deed issuance | AED 80,580 |
| Mortgage registration0.25% of the loan + AED 290 | AED 4,290 |
| Agency commissionusually 2% of the price + 5% VAT — May be negotiable with the agent. | AED 42,000 |
| Bank processing feeup to 1% of the loan + 5% VAT — Can be waived. | AED 16,800 |
| Valuationfrom AED 2,500 — Varies by bank. | AED 2,500 |
| Trustee officeabout AED 4,515 | AED 4,515 |
Estimate only, not an offer of finance. Rates as of 3 November 2026, subject to bank approval and eligibility; rates change.
Want your exact figures?
This calculator gives an estimate. An Aknaz advisor works out your real numbers with each bank's current rates and fees, explains every line with you and tells you which banks fit your profile.
Frequently asked questions
What is EIBOR and why does it matter?
EIBOR is the Emirates Interbank Offered Rate, the rate UAE banks charge each other. Most variable mortgages are priced as EIBOR plus a fixed bank margin, so when EIBOR moves, your rate and instalment move with it after any fixed period ends.
What happens when my fixed rate ends?
The loan reverts to a variable rate, usually EIBOR plus the bank margin. Your instalment is recalculated on the balance still owed, over the remaining term. It can be higher or lower than before, depending on where EIBOR is at that point.
Does paying extra each month save money?
Yes. Extra payments reduce the balance sooner, so less interest builds up and the loan ends earlier. Up to 30% a year without charge with some banks. Above that, or when you settle early, banks usually charge 1%; some banks waive it after 5 years with the same bank.
Are the purchase fees included in the loan?
Usually not. Government transfer and registration fees, agency commission, valuation and trustee costs are paid in cash at purchase, in addition to your deposit. The calculator lists each fee so you can see the cash you need beyond the deposit.
Results are estimates, not an offer of finance. To see how much you could borrow, use the pre-qualification tool.