Plan your purchase
Mortgage calculator
Estimate your monthly payment in AED and compare it against nearby interest rates.
Beyond the monthly payment
What buying really costs
A mortgage is one line item. Based on AED 2,000,000 and a AED 1,600,000 loan, here’s roughly what else changes hands before you get the keys.
Rough, general-guidance figures — not a live quote from DLD or any specific bank. Confirm exact fees with your lender and conveyancer before you budget against them.
The process
How a Dubai mortgage works
Get pre-approved
A bank assesses your income and debt burden ratio and issues a conditional pre-approval, usually valid for 60–90 days — this is what tells you your real budget before you start viewing.
Find your property, sign the MOU
Once you agree a price with a seller, both sides sign a Memorandum of Understanding (Form F) and a deposit — typically 10% — is paid to secure the property.
Bank valuation
Your lender sends an independent valuer to confirm the property is worth what you're paying — the loan amount is based on this valuation, not the agreed sale price, if the two differ.
Final offer & signing
Once the valuation clears, the bank issues its final mortgage offer letter. You sign the finance documents and the bank prepares to release funds.
Transfer & registration
Buyer, seller, and bank meet at the Dubai Land Department trustee office. Ownership transfers and the mortgage is registered against the title in the same appointment.
Eligibility
Before you calculate
Minimum down payment
Generally 20% for UAE nationals on a first ready home, 25% for expats — higher again for a second mortgaged property or most off-plan purchases.
Debt burden ratio (DBR)
Your total monthly debt obligations, mortgage included, are generally capped around 50% of gross monthly income under UAE Central Bank mortgage lending rules.
Maximum loan tenure
Typically up to 25 years, and usually structured so the loan is repaid by a set retirement age (commonly 65 for UAE nationals, 60–65 for expats).
Off-plan vs. ready
Off-plan properties often carry lower maximum loan-to-value limits than completed, ready-to-move-in properties.
General guidance, not financial advice — every bank sets its own exact thresholds. WildDubai isn’t a lender; talk to your bank or a mortgage advisor to confirm what applies to you.
Next step
Want a real quote, not an estimate?
Leave your details and a WildDubai agent will connect you with a lender who can pre-approve you at a real rate.