REIN Investment · Ajman Creek Towers

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 371,404

The LTV cap binds: banks can lend at most 50% of the price under the off-plan-during-construction ceiling. Your income could support more.

Deposit required

AED 371,404

Monthly repayment

AED 2,012

Total paid over 25 years

AED 603,611

of which interest AED 232,207

Total upfront cash

AED 425,985 – AED 428,985

DepositAED 371,404
DLD transfer fee (4% + admin)AED 30,292
Mortgage registration (0.25% + admin)AED 1,219
Bank arrangement feeAED 3,714
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 14,856

Plus life and property insurance, estimated AED 1,857/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 74,281
During construction (1% monthly) · 24%AED 178,274
Upon Handover · 16%AED 118,849
Within 50 months PH (1% monthly) · 50%AED 371,404

At handover — the mortgage starts

Banks finance up to 50% at handover for your profile; the developer instalments before handover come from your own funds.

If the bank values the unit at (% of purchase price)

At a 95% valuation the loan shrinks to AED 352,834 — you bring AED 18,570 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	371,404	1,315	697	370,707
2	370,707	1,313	699	370,008
3	370,008	1,310	702	369,307
4	369,307	1,308	704	368,603
5	368,603	1,305	707	367,896
6	367,896	1,303	709	367,187
7	367,187	1,300	712	366,475
8	366,475	1,298	714	365,761
9	365,761	1,295	717	365,045
10	365,045	1,293	719	364,325
11	364,325	1,290	722	363,604
12	363,604	1,288	724	362,879
13	362,879	1,285	727	362,153
14	362,153	1,283	729	361,423
15	361,423	1,280	732	360,691
16	360,691	1,277	735	359,957
17	359,957	1,275	737	359,219
18	359,219	1,272	740	358,480
19	358,480	1,270	742	357,737
20	357,737	1,267	745	356,992
21	356,992	1,264	748	356,244
22	356,244	1,262	750	355,494
23	355,494	1,259	753	354,741
24	354,741	1,256	756	353,985
25	353,985	1,254	758	353,227
26	353,227	1,251	761	352,466
27	352,466	1,248	764	351,702
28	351,702	1,246	766	350,936
29	350,936	1,243	769	350,167
30	350,167	1,240	772	349,395
31	349,395	1,237	775	348,620
32	348,620	1,235	777	347,843
33	347,843	1,232	780	347,063
34	347,063	1,229	783	346,280
35	346,280	1,226	786	345,494
36	345,494	1,224	788	344,706
37	344,706	1,221	791	343,915
38	343,915	1,218	794	343,121
39	343,121	1,215	797	342,324
40	342,324	1,212	800	341,524
41	341,524	1,210	802	340,722
42	340,722	1,207	805	339,917
43	339,917	1,204	808	339,108
44	339,108	1,201	811	338,297
45	338,297	1,198	814	337,483
46	337,483	1,195	817	336,667
47	336,667	1,192	820	335,847
48	335,847	1,189	823	335,024
49	335,024	1,187	825	334,199
50	334,199	1,184	828	333,371
51	333,371	1,181	831	332,539
52	332,539	1,178	834	331,705
53	331,705	1,175	837	330,868
54	330,868	1,172	840	330,027
55	330,027	1,169	843	329,184
56	329,184	1,166	846	328,338
57	328,338	1,163	849	327,489
58	327,489	1,160	852	326,637
59	326,637	1,157	855	325,782
60	325,782	1,154	858	324,923
61	324,923	1,151	861	324,062
62	324,062	1,148	864	323,198
63	323,198	1,145	867	322,330
64	322,330	1,142	870	321,460
65	321,460	1,139	874	320,586
66	320,586	1,135	877	319,710
67	319,710	1,132	880	318,830
68	318,830	1,129	883	317,947
69	317,947	1,126	886	317,061
70	317,061	1,123	889	316,172
71	316,172	1,120	892	315,280
72	315,280	1,117	895	314,384
73	314,384	1,113	899	313,486
74	313,486	1,110	902	312,584
75	312,584	1,107	905	311,679
76	311,679	1,104	908	310,771
77	310,771	1,101	911	309,859
78	309,859	1,097	915	308,945
79	308,945	1,094	918	308,027
80	308,027	1,091	921	307,106
81	307,106	1,088	924	306,182
82	306,182	1,084	928	305,254
83	305,254	1,081	931	304,323
84	304,323	1,078	934	303,389
85	303,389	1,075	938	302,451
86	302,451	1,071	941	301,510
87	301,510	1,068	944	300,566
88	300,566	1,065	948	299,619
89	299,619	1,061	951	298,668
90	298,668	1,058	954	297,713
91	297,713	1,054	958	296,756
92	296,756	1,051	961	295,795
93	295,795	1,048	964	294,830
94	294,830	1,044	968	293,863
95	293,863	1,041	971	292,891
96	292,891	1,037	975	291,917
97	291,917	1,034	978	290,938
98	290,938	1,030	982	289,957
99	289,957	1,027	985	288,972
100	288,972	1,023	989	287,983
101	287,983	1,020	992	286,991
102	286,991	1,016	996	285,995
103	285,995	1,013	999	284,996
104	284,996	1,009	1,003	283,994
105	283,994	1,006	1,006	282,987
106	282,987	1,002	1,010	281,977
107	281,977	999	1,013	280,964
108	280,964	995	1,017	279,947
109	279,947	991	1,021	278,927
110	278,927	988	1,024	277,902
111	277,902	984	1,028	276,875
112	276,875	981	1,031	275,843
113	275,843	977	1,035	274,808
114	274,808	973	1,039	273,769
115	273,769	970	1,042	272,727
116	272,727	966	1,046	271,681
117	271,681	962	1,050	270,631
118	270,631	958	1,054	269,577
119	269,577	955	1,057	268,520
120	268,520	951	1,061	267,459
121	267,459	947	1,065	266,394
122	266,394	943	1,069	265,326
123	265,326	940	1,072	264,253
124	264,253	936	1,076	263,177
125	263,177	932	1,080	262,097
126	262,097	928	1,084	261,014
127	261,014	924	1,088	259,926
128	259,926	921	1,091	258,834
129	258,834	917	1,095	257,739
130	257,739	913	1,099	256,640
131	256,640	909	1,103	255,537
132	255,537	905	1,107	254,430
133	254,430	901	1,111	253,319
134	253,319	897	1,115	252,204
135	252,204	893	1,119	251,085
136	251,085	889	1,123	249,962
137	249,962	885	1,127	248,836
138	248,836	881	1,131	247,705
139	247,705	877	1,135	246,570
140	246,570	873	1,139	245,431
141	245,431	869	1,143	244,289
142	244,289	865	1,147	243,142
143	243,142	861	1,151	241,991
144	241,991	857	1,155	240,836
145	240,836	853	1,159	239,677
146	239,677	849	1,163	238,514
147	238,514	845	1,167	237,346
148	237,346	841	1,171	236,175
149	236,175	836	1,176	234,999
150	234,999	832	1,180	233,820
151	233,820	828	1,184	232,636
152	232,636	824	1,188	231,447
153	231,447	820	1,192	230,255
154	230,255	815	1,197	229,059
155	229,059	811	1,201	227,858
156	227,858	807	1,205	226,653
157	226,653	803	1,209	225,443
158	225,443	798	1,214	224,230
159	224,230	794	1,218	223,012
160	223,012	790	1,222	221,790
161	221,790	786	1,227	220,563
162	220,563	781	1,231	219,332
163	219,332	777	1,235	218,097
164	218,097	772	1,240	216,858
165	216,858	768	1,244	215,614
166	215,614	764	1,248	214,365
167	214,365	759	1,253	213,112
168	213,112	755	1,257	211,855
169	211,855	750	1,262	210,593
170	210,593	746	1,266	209,327
171	209,327	741	1,271	208,056
172	208,056	737	1,275	206,781
173	206,781	732	1,280	205,502
174	205,502	728	1,284	204,217
175	204,217	723	1,289	202,929
176	202,929	719	1,293	201,635
177	201,635	714	1,298	200,337
178	200,337	710	1,303	199,035
179	199,035	705	1,307	197,728
180	197,728	700	1,312	196,416
181	196,416	696	1,316	195,100
182	195,100	691	1,321	193,779
183	193,779	686	1,326	192,453
184	192,453	682	1,330	191,122
185	191,122	677	1,335	189,787
186	189,787	672	1,340	188,447
187	188,447	667	1,345	187,103
188	187,103	663	1,349	185,753
189	185,753	658	1,354	184,399
190	184,399	653	1,359	183,040
191	183,040	648	1,364	181,676
192	181,676	643	1,369	180,308
193	180,308	639	1,373	178,934
194	178,934	634	1,378	177,556
195	177,556	629	1,383	176,173
196	176,173	624	1,388	174,785
197	174,785	619	1,393	173,392
198	173,392	614	1,398	171,994
199	171,994	609	1,403	170,591
200	170,591	604	1,408	169,183
201	169,183	599	1,413	167,770
202	167,770	594	1,418	166,352
203	166,352	589	1,423	164,930
204	164,930	584	1,428	163,502
205	163,502	579	1,433	162,069
206	162,069	574	1,438	160,631
207	160,631	569	1,443	159,187
208	159,187	564	1,448	157,739
209	157,739	559	1,453	156,286
210	156,286	554	1,459	154,827
211	154,827	548	1,464	153,364
212	153,364	543	1,469	151,895
213	151,895	538	1,474	150,421
214	150,421	533	1,479	148,941
215	148,941	528	1,485	147,457
216	147,457	522	1,490	145,967
217	145,967	517	1,495	144,472
218	144,472	512	1,500	142,972
219	142,972	506	1,506	141,466
220	141,466	501	1,511	139,955
221	139,955	496	1,516	138,439
222	138,439	490	1,522	136,917
223	136,917	485	1,527	135,390
224	135,390	480	1,533	133,857
225	133,857	474	1,538	132,319
226	132,319	469	1,543	130,776
227	130,776	463	1,549	129,227
228	129,227	458	1,554	127,673
229	127,673	452	1,560	126,113
230	126,113	447	1,565	124,547
231	124,547	441	1,571	122,976
232	122,976	436	1,576	121,400
233	121,400	430	1,582	119,818
234	119,818	424	1,588	118,230
235	118,230	419	1,593	116,637
236	116,637	413	1,599	115,038
237	115,038	407	1,605	113,433
238	113,433	402	1,610	111,823
239	111,823	396	1,616	110,207
240	110,207	390	1,622	108,585
241	108,585	385	1,627	106,958
242	106,958	379	1,633	105,325
243	105,325	373	1,639	103,686
244	103,686	367	1,645	102,041
245	102,041	361	1,651	100,390
246	100,390	356	1,656	98,734
247	98,734	350	1,662	97,071
248	97,071	344	1,668	95,403
249	95,403	338	1,674	93,729
250	93,729	332	1,680	92,049
251	92,049	326	1,686	90,363
252	90,363	320	1,692	88,671
253	88,671	314	1,698	86,973
254	86,973	308	1,704	85,269
255	85,269	302	1,710	83,559
256	83,559	296	1,716	81,843
257	81,843	290	1,722	80,120
258	80,120	284	1,728	78,392
259	78,392	278	1,734	76,658
260	76,658	271	1,741	74,917
261	74,917	265	1,747	73,171
262	73,171	259	1,753	71,418
263	71,418	253	1,759	69,659
264	69,659	247	1,765	67,893
265	67,893	240	1,772	66,122
266	66,122	234	1,778	64,344
267	64,344	228	1,784	62,560
268	62,560	222	1,790	60,769
269	60,769	215	1,797	58,972
270	58,972	209	1,803	57,169
271	57,169	202	1,810	55,360
272	55,360	196	1,816	53,544
273	53,544	190	1,822	51,721
274	51,721	183	1,829	49,892
275	49,892	177	1,835	48,057
276	48,057	170	1,842	46,215
277	46,215	164	1,848	44,367
278	44,367	157	1,855	42,512
279	42,512	151	1,861	40,650
280	40,650	144	1,868	38,782
281	38,782	137	1,875	36,908
282	36,908	131	1,881	35,026
283	35,026	124	1,888	33,138
284	33,138	117	1,895	31,244
285	31,244	111	1,901	29,342
286	29,342	104	1,908	27,434
287	27,434	97	1,915	25,519
288	25,519	90	1,922	23,598
289	23,598	84	1,928	21,669
290	21,669	77	1,935	19,734
291	19,734	70	1,942	17,792
292	17,792	63	1,949	15,843
293	15,843	56	1,956	13,887
294	13,887	49	1,963	11,924
295	11,924	42	1,970	9,954
296	9,954	35	1,977	7,977
297	7,977	28	1,984	5,994
298	5,994	21	1,991	4,003
299	4,003	14	1,998	2,005
300	2,005	7	2,005	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.