REIN Investment · UAE

Mortgage calculator

What you can borrow, what it costs monthly, and what cash you need on day one — for residents and non-residents.

Property price (AED)

Residency status

Property status

This is my first property in the UAE

Gross monthly income (AED)

Existing monthly debt payments (AED)

Term (years)

Interest rate (%)

Deposit (AED)

Auto-set to the minimum; increase it if you want to borrow less.

Age (optional)

Employment

Maximum borrowing

AED 1,200,000

The LTV cap binds: banks can lend at most 60% of the price under the non-resident-completed ceiling. Your income could support more.

Deposit required

AED 800,000

Monthly repayment

AED 6,501

Total paid over 25 years

AED 1,950,257

of which interest AED 750,257

Total upfront cash

AED 940,370 – AED 943,370

DepositAED 800,000
DLD transfer fee (4% + admin)AED 80,580
Mortgage registration (0.25% + admin)AED 3,290
Bank arrangement feeAED 12,000
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 40,000

Plus life and property insurance, estimated AED 5,800/year — banded, lender-dependent.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,200,000	4,250	2,251	1,197,749
2	1,197,749	4,242	2,259	1,195,490
3	1,195,490	4,234	2,267	1,193,223
4	1,193,223	4,226	2,275	1,190,949
5	1,190,949	4,218	2,283	1,188,666
6	1,188,666	4,210	2,291	1,186,375
7	1,186,375	4,202	2,299	1,184,076
8	1,184,076	4,194	2,307	1,181,768
9	1,181,768	4,185	2,315	1,179,453
10	1,179,453	4,177	2,324	1,177,129
11	1,177,129	4,169	2,332	1,174,797
12	1,174,797	4,161	2,340	1,172,457
13	1,172,457	4,152	2,348	1,170,109
14	1,170,109	4,144	2,357	1,167,752
15	1,167,752	4,136	2,365	1,165,387
16	1,165,387	4,127	2,373	1,163,014
17	1,163,014	4,119	2,382	1,160,632
18	1,160,632	4,111	2,390	1,158,242
19	1,158,242	4,102	2,399	1,155,843
20	1,155,843	4,094	2,407	1,153,436
21	1,153,436	4,085	2,416	1,151,020
22	1,151,020	4,077	2,424	1,148,595
23	1,148,595	4,068	2,433	1,146,163
24	1,146,163	4,059	2,442	1,143,721
25	1,143,721	4,051	2,450	1,141,271
26	1,141,271	4,042	2,459	1,138,812
27	1,138,812	4,033	2,468	1,136,344
28	1,136,344	4,025	2,476	1,133,868
29	1,133,868	4,016	2,485	1,131,383
30	1,131,383	4,007	2,494	1,128,889
31	1,128,889	3,998	2,503	1,126,386
32	1,126,386	3,989	2,512	1,123,875
33	1,123,875	3,980	2,520	1,121,354
34	1,121,354	3,971	2,529	1,118,825
35	1,118,825	3,963	2,538	1,116,287
36	1,116,287	3,954	2,547	1,113,739
37	1,113,739	3,944	2,556	1,111,183
38	1,111,183	3,935	2,565	1,108,618
39	1,108,618	3,926	2,575	1,106,043
40	1,106,043	3,917	2,584	1,103,459
41	1,103,459	3,908	2,593	1,100,867
42	1,100,867	3,899	2,602	1,098,265
43	1,098,265	3,890	2,611	1,095,653
44	1,095,653	3,880	2,620	1,093,033
45	1,093,033	3,871	2,630	1,090,403
46	1,090,403	3,862	2,639	1,087,764
47	1,087,764	3,852	2,648	1,085,116
48	1,085,116	3,843	2,658	1,082,458
49	1,082,458	3,834	2,667	1,079,791
50	1,079,791	3,824	2,677	1,077,115
51	1,077,115	3,815	2,686	1,074,428
52	1,074,428	3,805	2,696	1,071,733
53	1,071,733	3,796	2,705	1,069,028
54	1,069,028	3,786	2,715	1,066,313
55	1,066,313	3,777	2,724	1,063,589
56	1,063,589	3,767	2,734	1,060,855
57	1,060,855	3,757	2,744	1,058,111
58	1,058,111	3,747	2,753	1,055,358
59	1,055,358	3,738	2,763	1,052,595
60	1,052,595	3,728	2,773	1,049,822
61	1,049,822	3,718	2,783	1,047,039
62	1,047,039	3,708	2,793	1,044,246
63	1,044,246	3,698	2,802	1,041,444
64	1,041,444	3,688	2,812	1,038,631
65	1,038,631	3,678	2,822	1,035,809
66	1,035,809	3,668	2,832	1,032,977
67	1,032,977	3,658	2,842	1,030,134
68	1,030,134	3,648	2,852	1,027,282
69	1,027,282	3,638	2,863	1,024,419
70	1,024,419	3,628	2,873	1,021,546
71	1,021,546	3,618	2,883	1,018,664
72	1,018,664	3,608	2,893	1,015,771
73	1,015,771	3,598	2,903	1,012,867
74	1,012,867	3,587	2,914	1,009,954
75	1,009,954	3,577	2,924	1,007,030
76	1,007,030	3,567	2,934	1,004,095
77	1,004,095	3,556	2,945	1,001,151
78	1,001,151	3,546	2,955	998,196
79	998,196	3,535	2,966	995,230
80	995,230	3,525	2,976	992,254
81	992,254	3,514	2,987	989,267
82	989,267	3,504	2,997	986,270
83	986,270	3,493	3,008	983,262
84	983,262	3,482	3,018	980,244
85	980,244	3,472	3,029	977,215
86	977,215	3,461	3,040	974,175
87	974,175	3,450	3,051	971,124
88	971,124	3,439	3,061	968,063
89	968,063	3,429	3,072	964,990
90	964,990	3,418	3,083	961,907
91	961,907	3,407	3,094	958,813
92	958,813	3,396	3,105	955,708
93	955,708	3,385	3,116	952,592
94	952,592	3,374	3,127	949,465
95	949,465	3,363	3,138	946,327
96	946,327	3,352	3,149	943,177
97	943,177	3,340	3,160	940,017
98	940,017	3,329	3,172	936,845
99	936,845	3,318	3,183	933,662
100	933,662	3,307	3,194	930,468
101	930,468	3,295	3,205	927,263
102	927,263	3,284	3,217	924,046
103	924,046	3,273	3,228	920,818
104	920,818	3,261	3,240	917,578
105	917,578	3,250	3,251	914,327
106	914,327	3,238	3,263	911,064
107	911,064	3,227	3,274	907,790
108	907,790	3,215	3,286	904,505
109	904,505	3,203	3,297	901,207
110	901,207	3,192	3,309	897,898
111	897,898	3,180	3,321	894,577
112	894,577	3,168	3,333	891,245
113	891,245	3,156	3,344	887,900
114	887,900	3,145	3,356	884,544
115	884,544	3,133	3,368	881,176
116	881,176	3,121	3,380	877,796
117	877,796	3,109	3,392	874,404
118	874,404	3,097	3,404	871,000
119	871,000	3,085	3,416	867,584
120	867,584	3,073	3,428	864,156
121	864,156	3,061	3,440	860,715
122	860,715	3,048	3,452	857,263
123	857,263	3,036	3,465	853,798
124	853,798	3,024	3,477	850,321
125	850,321	3,012	3,489	846,832
126	846,832	2,999	3,502	843,330
127	843,330	2,987	3,514	839,816
128	839,816	2,974	3,527	836,290
129	836,290	2,962	3,539	832,751
130	832,751	2,949	3,552	829,199
131	829,199	2,937	3,564	825,635
132	825,635	2,924	3,577	822,058
133	822,058	2,911	3,589	818,469
134	818,469	2,899	3,602	814,867
135	814,867	2,886	3,615	811,252
136	811,252	2,873	3,628	807,624
137	807,624	2,860	3,641	803,984
138	803,984	2,847	3,653	800,330
139	800,330	2,835	3,666	796,664
140	796,664	2,822	3,679	792,985
141	792,985	2,808	3,692	789,292
142	789,292	2,795	3,705	785,587
143	785,587	2,782	3,719	781,868
144	781,868	2,769	3,732	778,137
145	778,137	2,756	3,745	774,392
146	774,392	2,743	3,758	770,633
147	770,633	2,729	3,772	766,862
148	766,862	2,716	3,785	763,077
149	763,077	2,703	3,798	759,279
150	759,279	2,689	3,812	755,467
151	755,467	2,676	3,825	751,642
152	751,642	2,662	3,839	747,803
153	747,803	2,648	3,852	743,950
154	743,950	2,635	3,866	740,084
155	740,084	2,621	3,880	736,205
156	736,205	2,607	3,893	732,311
157	732,311	2,594	3,907	728,404
158	728,404	2,580	3,921	724,483
159	724,483	2,566	3,935	720,548
160	720,548	2,552	3,949	716,599
161	716,599	2,538	3,963	712,636
162	712,636	2,524	3,977	708,659
163	708,659	2,510	3,991	704,668
164	704,668	2,496	4,005	700,663
165	700,663	2,482	4,019	696,644
166	696,644	2,467	4,034	692,610
167	692,610	2,453	4,048	688,562
168	688,562	2,439	4,062	684,500
169	684,500	2,424	4,077	680,423
170	680,423	2,410	4,091	676,332
171	676,332	2,395	4,106	672,227
172	672,227	2,381	4,120	668,107
173	668,107	2,366	4,135	663,972
174	663,972	2,352	4,149	659,823
175	659,823	2,337	4,164	655,659
176	655,659	2,322	4,179	651,480
177	651,480	2,307	4,194	647,287
178	647,287	2,292	4,208	643,078
179	643,078	2,278	4,223	638,855
180	638,855	2,263	4,238	634,617
181	634,617	2,248	4,253	630,363
182	630,363	2,233	4,268	626,095
183	626,095	2,217	4,283	621,812
184	621,812	2,202	4,299	617,513
185	617,513	2,187	4,314	613,199
186	613,199	2,172	4,329	608,870
187	608,870	2,156	4,344	604,526
188	604,526	2,141	4,360	600,166
189	600,166	2,126	4,375	595,791
190	595,791	2,110	4,391	591,400
191	591,400	2,095	4,406	586,994
192	586,994	2,079	4,422	582,572
193	582,572	2,063	4,438	578,134
194	578,134	2,048	4,453	573,681
195	573,681	2,032	4,469	569,212
196	569,212	2,016	4,485	564,727
197	564,727	2,000	4,501	560,226
198	560,226	1,984	4,517	555,709
199	555,709	1,968	4,533	551,177
200	551,177	1,952	4,549	546,628
201	546,628	1,936	4,565	542,063
202	542,063	1,920	4,581	537,482
203	537,482	1,904	4,597	532,885
204	532,885	1,887	4,614	528,271
205	528,271	1,871	4,630	523,641
206	523,641	1,855	4,646	518,995
207	518,995	1,838	4,663	514,332
208	514,332	1,822	4,679	509,653
209	509,653	1,805	4,696	504,957
210	504,957	1,788	4,712	500,244
211	500,244	1,772	4,729	495,515
212	495,515	1,755	4,746	490,769
213	490,769	1,738	4,763	486,007
214	486,007	1,721	4,780	481,227
215	481,227	1,704	4,797	476,431
216	476,431	1,687	4,813	471,617
217	471,617	1,670	4,831	466,787
218	466,787	1,653	4,848	461,939
219	461,939	1,636	4,865	457,074
220	457,074	1,619	4,882	452,192
221	452,192	1,602	4,899	447,293
222	447,293	1,584	4,917	442,376
223	442,376	1,567	4,934	437,442
224	437,442	1,549	4,952	432,490
225	432,490	1,532	4,969	427,521
226	427,521	1,514	4,987	422,534
227	422,534	1,496	5,004	417,530
228	417,530	1,479	5,022	412,508
229	412,508	1,461	5,040	407,468
230	407,468	1,443	5,058	402,410
231	402,410	1,425	5,076	397,335
232	397,335	1,407	5,094	392,241
233	392,241	1,389	5,112	387,129
234	387,129	1,371	5,130	382,000
235	382,000	1,353	5,148	376,852
236	376,852	1,335	5,166	371,686
237	371,686	1,316	5,184	366,501
238	366,501	1,298	5,203	361,298
239	361,298	1,280	5,221	356,077
240	356,077	1,261	5,240	350,837
241	350,837	1,243	5,258	345,579
242	345,579	1,224	5,277	340,302
243	340,302	1,205	5,296	335,006
244	335,006	1,186	5,314	329,692
245	329,692	1,168	5,333	324,359
246	324,359	1,149	5,352	319,007
247	319,007	1,130	5,371	313,636
248	313,636	1,111	5,390	308,246
249	308,246	1,092	5,409	302,836
250	302,836	1,073	5,428	297,408
251	297,408	1,053	5,448	291,961
252	291,961	1,034	5,467	286,494
253	286,494	1,015	5,486	281,008
254	281,008	995	5,506	275,502
255	275,502	976	5,525	269,977
256	269,977	956	5,545	264,432
257	264,432	937	5,564	258,868
258	258,868	917	5,584	253,284
259	253,284	897	5,604	247,680
260	247,680	877	5,624	242,056
261	242,056	857	5,644	236,413
262	236,413	837	5,664	230,749
263	230,749	817	5,684	225,066
264	225,066	797	5,704	219,362
265	219,362	777	5,724	213,638
266	213,638	757	5,744	207,894
267	207,894	736	5,765	202,129
268	202,129	716	5,785	196,344
269	196,344	695	5,805	190,539
270	190,539	675	5,826	184,713
271	184,713	654	5,847	178,866
272	178,866	633	5,867	172,998
273	172,998	613	5,888	167,110
274	167,110	592	5,909	161,201
275	161,201	571	5,930	155,271
276	155,271	550	5,951	149,320
277	149,320	529	5,972	143,348
278	143,348	508	5,993	137,355
279	137,355	486	6,014	131,341
280	131,341	465	6,036	125,305
281	125,305	444	6,057	119,248
282	119,248	422	6,079	113,170
283	113,170	401	6,100	107,070
284	107,070	379	6,122	100,948
285	100,948	358	6,143	94,805
286	94,805	336	6,165	88,639
287	88,639	314	6,187	82,453
288	82,453	292	6,209	76,244
289	76,244	270	6,231	70,013
290	70,013	248	6,253	63,760
291	63,760	226	6,275	57,485
292	57,485	204	6,297	51,188
293	51,188	181	6,320	44,868
294	44,868	159	6,342	38,526
295	38,526	136	6,364	32,162
296	32,162	114	6,387	25,775
297	25,775	91	6,410	19,365
298	19,365	69	6,432	12,933
299	12,933	46	6,455	6,478
300	6,478	23	6,478	0

Email me this breakdown

Indicative only — not an offer of finance. Lender criteria and rates vary and approval is not guaranteed. REIN Investment acts as an intermediary and is not a lender. Your property may be repossessed if you do not keep up repayments.

Caps and fees effective 2026-07-01. CBUAE lending caps as commonly applied by UAE banks; DLD fee schedule. Unverified seed values — confirm before launch.