How do I use the how much mortgage can I get? (UAE)?
- Enter your monthly income and existing loan repayments.
- Choose the buyer type and mortgage terms.
- Enter savings available for the down payment and fees.
How much mortgage can I get? (UAE): frequently asked questions
How much can I borrow for a mortgage in the UAE?
Your total repayments, including the new mortgage, must stay within 50% of your income, and the loan cannot exceed the LTV cap for your situation.
What is the minimum down payment for expats?
20% for a first home up to AED 5 million and 30% above that. Second homes and off-plan need more.
What is the maximum mortgage term?
Usually 25 years, and banks also limit the age at which the loan must be repaid.
Do I need cash for fees?
Yes. The 4% DLD transfer fee, agency commission and registration fees are usually paid in cash on top of the down payment.
Can I use a personal loan for the down payment?
No. The down payment must come from your own funds.
What is the early settlement fee on a mortgage?
Central Bank rules cap it at 1% of the outstanding balance or AED 10,000, whichever is less (plus VAT).
Is this a mortgage approval?
No. Banks assess your full profile, including credit score and employer. Speak to a bank or broker for pre-approval.
Is my data stored?
No. It runs in your browser.
Are these calculations based on UAE rules?
Where a UAE rule applies (VAT, labour law, mortgage limits) the tool follows it and names the source. Rules change, so confirm important figures with the relevant authority.
Is the how much mortgage can i get? (uae) free?
Yes. It is free with no sign-up and no usage limits for normal use.