4%
DLD transfer fee
Dubai Land Department fee, calculated on the purchase price.
Mortgage in the UAE
UAE mortgage calculator
See your monthly payment the way UAE banks calculate it, plan the upfront costs, and get pre-approved — free, in your language.
- Rates from UAE banks
- For residents and non-residents
- Pre-approval in 2–5 days
Calculate your payment
Property price
200,00020,000,000
Down payment
300,000
%
20%80%
Loan term
years
1 year25 years
Interest rate
%
1%10%
Monthly payment
6,170 / month
- Loan amount
- 1,200,000
- Total interest
- 651,000
- Total repayment
- 1,851,000
Upfront costs, approx.99,280
DLD 4%, agency 2% + VAT, 0.25% mortgage registration and fixed fees — ready property in Dubai. Bank valuation is billed separately.
Estimate only — the final offer depends on your income, profile and the property.
How it works
From application to keys — a mortgage advisor guides you through every step.
- 01
Apply online
Leave your number — a Propick mortgage advisor calls you back the same day.
- 02
Get pre-approval
Banks confirm your budget in 2–5 working days, before you commit to a property.
- 03
Choose the property
Pick from verified listings on Propick — or bring a property you found yourself.
- 04
Sign and get the keys
Valuation, final offer and transfer at the Dubai Land Department — usually 2–4 weeks.
Plan the one-time costs too
On top of the down payment, a Dubai purchase adds roughly 6–8% in fees.
2% + VAT
Agency fee
Standard brokerage commission on a ready property.
from AED 5,000
Bank and fixed fees
Valuation, mortgage registration of 0.25% of the loan, trustee office and title deed.
Mortgage in the UAE: questions and answers
The essentials to know before you apply.
Yes. Several UAE banks lend to non-residents, usually financing up to 50–60% of the property value with a shorter bank list than for residents. Residents with an Emirates ID can typically borrow up to 80% of a ready first home under AED 5M.
For expat residents — 20% of the price for a first ready home under AED 5M, and 30% above that. UAE nationals start from 15%. Off-plan purchases are financed differently: banks usually ask for around 50%.
Passport and Emirates ID with a residence visa, 3–6 months of bank statements, and a salary certificate or proof of business income. Non-residents provide a passport, proof of income and statements from their home bank.
A fixed rate stays unchanged for an initial period, usually 1–5 years, then switches to a variable rate tied to EIBOR. Fixed means predictable payments; variable can be cheaper when rates fall. Most UAE offers combine the two.
Plan for roughly 6–8% on top of the down payment: 4% DLD transfer fee, 2% agency fee plus VAT, 0.25% mortgage registration, a bank valuation of about AED 2,500–3,500, plus trustee office and title deed fees.
Pre-approval usually takes 2–5 working days and holds your budget for 60–90 days. From choosing the property to the final transfer, a mortgage purchase typically completes in 2–4 weeks.
Ready to know your rate?
Leave your number — a Propick mortgage expert will compare bank offers for you. Free, with no obligation.