Mortgage & Home Loan Calculator United Arab Emirates
Calculate your home loan payment. Check if you can afford it. See total cost breakdown.
Calculate Mortgage
See how changes affect your result
How much mortgage can I afford?
Keep payments under 30% of income. UAE: 20% down for expats, 15% for nationals.
Fixed vs variable rate?
Fixed = same payment for term. Variable = starts lower but can rise. Choose fixed for stability.
Does a longer tenure reduce EMI?
Yes, but total interest increases significantly. 25 years costs much more than 15 years.
Home loans and mortgages in United Arab Emirates
Mortgage payments in United Arab Emirates are calculated in AED. Buzdy holds 11 home finance products from 3 local lenders, so you can start from a real rate rather than a guess.
Looking for a credit card, a loan or a savings account in the United Arab Emirates?
Compare what banks in the United Arab Emirates actually offer — rates, fees and eligibility, updated for 2026.
Home loan and mortgage products in United Arab Emirates
| Product | Bank | Rate | Maximum amount | Tenure |
|---|---|---|---|---|
| Property loan (Expatriates) | Emirates NBD | 5.29% reducing p.a. | Loan amount of up to AED 20Mn | Loan tenor up to 25 years |
| Home loans for UAE Nationals | Emirates NBD | 5.29% reducing p.a. | Loan amount offered up to AED 20 million | — |
| Home Loans for Expatriates | Emirates NBD | 5.29% reducing p.a. | Borrow up to AED 20 Million or 84 salary multiples (whichever is lower) | — |
| Loan Against Property for UAE | Emirates NBD | 5.29% reducing p.a. | Loan amount of up to AED 20Mn | — |
| Mulhaq Loans | Emirates NBD | 5.29% reducing p.a. | Loan amount of up to AED 20Mn | — |
| Home Loan | Commercial Bank of Dubai | — | High loan amounts of up to AED 20 million. | Flexibility to repay up to 15% of your Outstanding once every year without any additional charges or fees |
| Housing Establishment | Emirates Islamic Bank | — | — | repayment tenures of up to 25 years |
| Home Finance – Bina’a | Emirates Islamic Bank | — | — | Convenient monthly repayments with longer repayment tenures of up to 25 years |
| Home Finance | Emirates Islamic Bank | — | — | — |
| Commercial Property Finance | Emirates Islamic Bank | — | — | — |
| Commercial Property Financing | Emirates NBD | — | Loan amounts of up to AED 15 Million | Loan repayment tenure up to 10 years |
11 home finance products from 3 banks, as published by each bank.
Worked example — AED 1,000,000 property in United Arab Emirates
- Property price
- AED 1,000,000
- Down payment (20%)
- AED 200,000
- Amount financed
- AED 800,000
- Rate used
- 5.29% a year
- Term
- 25 years (300 months)
- Monthly payment
- AED 4,813
- Total interest
- AED 643,864
Rate taken from Home loans for UAE Nationals (Emirates NBD), the lowest published home finance rate Buzdy holds for United Arab Emirates. The 20% down payment is an illustration — confirm the required deposit with the lender.
Banks we track in United Arab Emirates
Keep going in United Arab Emirates
Guides for United Arab Emirates
United Arab Emirates — frequently asked questions
Which banks offer home loans in United Arab Emirates?
Buzdy tracks 11 home finance products in United Arab Emirates from lenders including Emirates NBD, Commercial Bank of Dubai, Emirates Islamic Bank.
How much can I borrow for a home in United Arab Emirates?
Published maximum financing amounts in our United Arab Emirates data include Loan amount offered up to AED 20 million; Borrow up to AED 20 Million or 84 salary multiples (whichever is lower); Loan amount of up to AED 20Mn. What you personally qualify for depends on your income and existing commitments.
How long can a mortgage run in United Arab Emirates?
Published tenures among the products we track include Loan tenor up to 25 years; Loan repayment tenure up to 10 years; Flexibility to repay up to 15% of your Outstanding once every year without any additional charges or fees. A longer term lowers the monthly payment but raises total interest — the calculator above shows both.
How much of my salary should the mortgage payment take?
Lenders normally want the payment to stay inside 30–40% of monthly income, and total debt inside about 50%. The affordability check above compares your payment with the salary you enter.