Dubai Mortgage Calculator
Estimate monthly repayments, DLD transfer fees, service charges, and DEWA deposit — then see the total cash you need to complete your purchase. Applies UAE Central Bank DBR rules.
DLD fee = 4% of purchase price
Min 20% · max 80% LTV for expats
Starting from ~3.99% p.a. · your advisor will confirm
Enter DOB to check max loan term
Annual total: AED 15,000
Usually seller's obligation — excluded from your costs
UAE DBR cap: 50% of gross monthly income
Estimated Monthly Repayment
AED 11,105
AED 2.00M · 25 years · 4.49% p.a.
Total Cash You Need to Complete This Purchase
All figures are indicative only and subject to individual bank assessment, credit approval, and prevailing market rates. Fees shown are estimates — verify current DLD, trustee, and bank charges before exchanging contracts. Service charges vary by community and building. This tool is not financial advice. PropSentral connects international investors with verified property projects in Dubai and Malaysia.
How it works
DBR — Debt Burden Ratio
The UAE Central Bank caps total monthly debt obligations at 50% of gross income. Your new mortgage instalment plus all existing commitments (car loans, credit cards, other mortgages) must not exceed this limit. The calculator shows your DBR in real time — green means eligible, amber means near the cap, red means you may be declined.
LTV limits by buyer type
UAE Nationals can borrow up to 85% LTV on their first property (15% minimum deposit). GCC Nationals and expatriates are limited to 80% LTV (20% minimum deposit) on properties up to AED 5M. Higher deposits improve your DBR position and unlock better rates — the calculator warns when your deposit falls below the regulatory minimum.
DLD transfer fee
The Dubai Land Department charges a transfer fee of 4% of the higher of the purchase price or the DLD’s own assessed valuation. On resale properties, the DLD valuation sometimes exceeds the agreed purchase price — enter it separately to get an accurate fee estimate.
Service charges & DEWA
Service charges are paid annually to the building or master-community operator. Rates vary widely — from AED 3/ft² for some apartments to AED 30+ in premium communities. DEWA (Dubai Electricity & Water Authority) requires a refundable deposit on connection: AED 2,000 for apartments and AED 4,000 for villas.
Ready to shortlist properties?
Our advisors can confirm your mortgage eligibility and match you to projects within your budget.