REIN Investment · Al Habtoor Tower

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 1,321,736

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 1,321,736

Monthly repayment

AED 7,160

Total paid over 25 years

AED 2,148,103

of which interest AED 826,368

Total upfront cash

AED 1,502,235 – AED 1,505,235

DepositAED 1,321,736
DLD transfer fee (4% + admin)AED 106,319
Mortgage registration (0.25% + admin)AED 3,594
Bank arrangement feeAED 13,217
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 52,869

Plus life and property insurance, estimated AED 6,609/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 264,347
During construction · 40%AED 1,057,388
Upon Handover · 50%AED 1,321,736

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 1,255,649 — you bring AED 66,087 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,321,736	4,681	2,479	1,319,256
2	1,319,256	4,672	2,488	1,316,768
3	1,316,768	4,664	2,497	1,314,272
4	1,314,272	4,655	2,506	1,311,766
5	1,311,766	4,646	2,515	1,309,251
6	1,309,251	4,637	2,523	1,306,728
7	1,306,728	4,628	2,532	1,304,196
8	1,304,196	4,619	2,541	1,301,654
9	1,301,654	4,610	2,550	1,299,104
10	1,299,104	4,601	2,559	1,296,545
11	1,296,545	4,592	2,568	1,293,976
12	1,293,976	4,583	2,578	1,291,399
13	1,291,399	4,574	2,587	1,288,812
14	1,288,812	4,565	2,596	1,286,216
15	1,286,216	4,555	2,605	1,283,611
16	1,283,611	4,546	2,614	1,280,997
17	1,280,997	4,537	2,623	1,278,374
18	1,278,374	4,528	2,633	1,275,741
19	1,275,741	4,518	2,642	1,273,099
20	1,273,099	4,509	2,651	1,270,447
21	1,270,447	4,500	2,661	1,267,786
22	1,267,786	4,490	2,670	1,265,116
23	1,265,116	4,481	2,680	1,262,436
24	1,262,436	4,471	2,689	1,259,747
25	1,259,747	4,462	2,699	1,257,048
26	1,257,048	4,452	2,708	1,254,340
27	1,254,340	4,442	2,718	1,251,622
28	1,251,622	4,433	2,728	1,248,895
29	1,248,895	4,423	2,737	1,246,158
30	1,246,158	4,413	2,747	1,243,411
31	1,243,411	4,404	2,757	1,240,654
32	1,240,654	4,394	2,766	1,237,888
33	1,237,888	4,384	2,776	1,235,112
34	1,235,112	4,374	2,786	1,232,326
35	1,232,326	4,364	2,796	1,229,530
36	1,229,530	4,355	2,806	1,226,724
37	1,226,724	4,345	2,816	1,223,908
38	1,223,908	4,335	2,826	1,221,083
39	1,221,083	4,325	2,836	1,218,247
40	1,218,247	4,315	2,846	1,215,401
41	1,215,401	4,305	2,856	1,212,545
42	1,212,545	4,294	2,866	1,209,680
43	1,209,680	4,284	2,876	1,206,803
44	1,206,803	4,274	2,886	1,203,917
45	1,203,917	4,264	2,896	1,201,021
46	1,201,021	4,254	2,907	1,198,114
47	1,198,114	4,243	2,917	1,195,197
48	1,195,197	4,233	2,927	1,192,270
49	1,192,270	4,223	2,938	1,189,332
50	1,189,332	4,212	2,948	1,186,384
51	1,186,384	4,202	2,959	1,183,425
52	1,183,425	4,191	2,969	1,180,456
53	1,180,456	4,181	2,980	1,177,477
54	1,177,477	4,170	2,990	1,174,486
55	1,174,486	4,160	3,001	1,171,486
56	1,171,486	4,149	3,011	1,168,474
57	1,168,474	4,138	3,022	1,165,452
58	1,165,452	4,128	3,033	1,162,420
59	1,162,420	4,117	3,043	1,159,376
60	1,159,376	4,106	3,054	1,156,322
61	1,156,322	4,095	3,065	1,153,257
62	1,153,257	4,084	3,076	1,150,181
63	1,150,181	4,074	3,087	1,147,094
64	1,147,094	4,063	3,098	1,143,997
65	1,143,997	4,052	3,109	1,140,888
66	1,140,888	4,041	3,120	1,137,768
67	1,137,768	4,030	3,131	1,134,637
68	1,134,637	4,019	3,142	1,131,496
69	1,131,496	4,007	3,153	1,128,343
70	1,128,343	3,996	3,164	1,125,179
71	1,125,179	3,985	3,175	1,122,003
72	1,122,003	3,974	3,187	1,118,817
73	1,118,817	3,962	3,198	1,115,619
74	1,115,619	3,951	3,209	1,112,410
75	1,112,410	3,940	3,221	1,109,189
76	1,109,189	3,928	3,232	1,105,957
77	1,105,957	3,917	3,243	1,102,714
78	1,102,714	3,905	3,255	1,099,459
79	1,099,459	3,894	3,266	1,096,192
80	1,096,192	3,882	3,278	1,092,914
81	1,092,914	3,871	3,290	1,089,625
82	1,089,625	3,859	3,301	1,086,323
83	1,086,323	3,847	3,313	1,083,010
84	1,083,010	3,836	3,325	1,079,686
85	1,079,686	3,824	3,336	1,076,349
86	1,076,349	3,812	3,348	1,073,001
87	1,073,001	3,800	3,360	1,069,641
88	1,069,641	3,788	3,372	1,066,269
89	1,066,269	3,776	3,384	1,062,885
90	1,062,885	3,764	3,396	1,059,489
91	1,059,489	3,752	3,408	1,056,081
92	1,056,081	3,740	3,420	1,052,661
93	1,052,661	3,728	3,432	1,049,229
94	1,049,229	3,716	3,444	1,045,784
95	1,045,784	3,704	3,457	1,042,328
96	1,042,328	3,692	3,469	1,038,859
97	1,038,859	3,679	3,481	1,035,378
98	1,035,378	3,667	3,493	1,031,885
99	1,031,885	3,655	3,506	1,028,379
100	1,028,379	3,642	3,518	1,024,861
101	1,024,861	3,630	3,531	1,021,330
102	1,021,330	3,617	3,543	1,017,787
103	1,017,787	3,605	3,556	1,014,231
104	1,014,231	3,592	3,568	1,010,663
105	1,010,663	3,579	3,581	1,007,082
106	1,007,082	3,567	3,594	1,003,489
107	1,003,489	3,554	3,606	999,882
108	999,882	3,541	3,619	996,263
109	996,263	3,528	3,632	992,631
110	992,631	3,516	3,645	988,986
111	988,986	3,503	3,658	985,329
112	985,329	3,490	3,671	981,658
113	981,658	3,477	3,684	977,974
114	977,974	3,464	3,697	974,278
115	974,278	3,451	3,710	970,568
116	970,568	3,437	3,723	966,845
117	966,845	3,424	3,736	963,109
118	963,109	3,411	3,749	959,360
119	959,360	3,398	3,763	955,597
120	955,597	3,384	3,776	951,821
121	951,821	3,371	3,789	948,032
122	948,032	3,358	3,803	944,229
123	944,229	3,344	3,816	940,413
124	940,413	3,331	3,830	936,583
125	936,583	3,317	3,843	932,740
126	932,740	3,303	3,857	928,883
127	928,883	3,290	3,871	925,012
128	925,012	3,276	3,884	921,128
129	921,128	3,262	3,898	917,230
130	917,230	3,249	3,912	913,318
131	913,318	3,235	3,926	909,393
132	909,393	3,221	3,940	905,453
133	905,453	3,207	3,954	901,500
134	901,500	3,193	3,968	897,532
135	897,532	3,179	3,982	893,550
136	893,550	3,165	3,996	889,555
137	889,555	3,151	4,010	885,545
138	885,545	3,136	4,024	881,521
139	881,521	3,122	4,038	877,483
140	877,483	3,108	4,053	873,430
141	873,430	3,093	4,067	869,363
142	869,363	3,079	4,081	865,282
143	865,282	3,065	4,096	861,186
144	861,186	3,050	4,110	857,076
145	857,076	3,035	4,125	852,951
146	852,951	3,021	4,139	848,811
147	848,811	3,006	4,154	844,657
148	844,657	2,991	4,169	840,488
149	840,488	2,977	4,184	836,305
150	836,305	2,962	4,198	832,106
151	832,106	2,947	4,213	827,893
152	827,893	2,932	4,228	823,665
153	823,665	2,917	4,243	819,421
154	819,421	2,902	4,258	815,163
155	815,163	2,887	4,273	810,890
156	810,890	2,872	4,288	806,601
157	806,601	2,857	4,304	802,298
158	802,298	2,841	4,319	797,979
159	797,979	2,826	4,334	793,645
160	793,645	2,811	4,350	789,295
161	789,295	2,795	4,365	784,930
162	784,930	2,780	4,380	780,550
163	780,550	2,764	4,396	776,154
164	776,154	2,749	4,411	771,743
165	771,743	2,733	4,427	767,316
166	767,316	2,718	4,443	762,873
167	762,873	2,702	4,459	758,414
168	758,414	2,686	4,474	753,940
169	753,940	2,670	4,490	749,450
170	749,450	2,654	4,506	744,944
171	744,944	2,638	4,522	740,422
172	740,422	2,622	4,538	735,884
173	735,884	2,606	4,554	731,330
174	731,330	2,590	4,570	726,759
175	726,759	2,574	4,586	722,173
176	722,173	2,558	4,603	717,570
177	717,570	2,541	4,619	712,951
178	712,951	2,525	4,635	708,316
179	708,316	2,509	4,652	703,664
180	703,664	2,492	4,668	698,996
181	698,996	2,476	4,685	694,311
182	694,311	2,459	4,701	689,610
183	689,610	2,442	4,718	684,892
184	684,892	2,426	4,735	680,157
185	680,157	2,409	4,751	675,406
186	675,406	2,392	4,768	670,638
187	670,638	2,375	4,785	665,853
188	665,853	2,358	4,802	661,050
189	661,050	2,341	4,819	656,231
190	656,231	2,324	4,836	651,395
191	651,395	2,307	4,853	646,542
192	646,542	2,290	4,871	641,671
193	641,671	2,273	4,888	636,784
194	636,784	2,255	4,905	631,878
195	631,878	2,238	4,922	626,956
196	626,956	2,220	4,940	622,016
197	622,016	2,203	4,957	617,059
198	617,059	2,185	4,975	612,084
199	612,084	2,168	4,993	607,091
200	607,091	2,150	5,010	602,081
201	602,081	2,132	5,028	597,053
202	597,053	2,115	5,046	592,007
203	592,007	2,097	5,064	586,944
204	586,944	2,079	5,082	581,862
205	581,862	2,061	5,100	576,763
206	576,763	2,043	5,118	571,645
207	571,645	2,025	5,136	566,509
208	566,509	2,006	5,154	561,355
209	561,355	1,988	5,172	556,183
210	556,183	1,970	5,191	550,992
211	550,992	1,951	5,209	545,784
212	545,784	1,933	5,227	540,556
213	540,556	1,914	5,246	535,310
214	535,310	1,896	5,264	530,046
215	530,046	1,877	5,283	524,763
216	524,763	1,859	5,302	519,461
217	519,461	1,840	5,321	514,140
218	514,140	1,821	5,339	508,801
219	508,801	1,802	5,358	503,443
220	503,443	1,783	5,377	498,065
221	498,065	1,764	5,396	492,669
222	492,669	1,745	5,415	487,253
223	487,253	1,726	5,435	481,819
224	481,819	1,706	5,454	476,365
225	476,365	1,687	5,473	470,892
226	470,892	1,668	5,493	465,399
227	465,399	1,648	5,512	459,887
228	459,887	1,629	5,532	454,355
229	454,355	1,609	5,551	448,804
230	448,804	1,590	5,571	443,233
231	443,233	1,570	5,591	437,643
232	437,643	1,550	5,610	432,032
233	432,032	1,530	5,630	426,402
234	426,402	1,510	5,650	420,752
235	420,752	1,490	5,670	415,082
236	415,082	1,470	5,690	409,392
237	409,392	1,450	5,710	403,681
238	403,681	1,430	5,731	397,951
239	397,951	1,409	5,751	392,200
240	392,200	1,389	5,771	386,428
241	386,428	1,369	5,792	380,637
242	380,637	1,348	5,812	374,824
243	374,824	1,328	5,833	368,991
244	368,991	1,307	5,854	363,138
245	363,138	1,286	5,874	357,264
246	357,264	1,265	5,895	351,369
247	351,369	1,244	5,916	345,453
248	345,453	1,223	5,937	339,516
249	339,516	1,202	5,958	333,558
250	333,558	1,181	5,979	327,579
251	327,579	1,160	6,000	321,579
252	321,579	1,139	6,021	315,557
253	315,557	1,118	6,043	309,515
254	309,515	1,096	6,064	303,451
255	303,451	1,075	6,086	297,365
256	297,365	1,053	6,107	291,258
257	291,258	1,032	6,129	285,129
258	285,129	1,010	6,151	278,978
259	278,978	988	6,172	272,806
260	272,806	966	6,194	266,612
261	266,612	944	6,216	260,396
262	260,396	922	6,238	254,158
263	254,158	900	6,260	247,898
264	247,898	878	6,282	241,615
265	241,615	856	6,305	235,311
266	235,311	833	6,327	228,984
267	228,984	811	6,349	222,634
268	222,634	788	6,372	216,262
269	216,262	766	6,394	209,868
270	209,868	743	6,417	203,451
271	203,451	721	6,440	197,011
272	197,011	698	6,463	190,549
273	190,549	675	6,485	184,063
274	184,063	652	6,508	177,555
275	177,555	629	6,532	171,023
276	171,023	606	6,555	164,468
277	164,468	582	6,578	157,891
278	157,891	559	6,601	151,289
279	151,289	536	6,625	144,665
280	144,665	512	6,648	138,017
281	138,017	489	6,672	131,345
282	131,345	465	6,695	124,650
283	124,650	441	6,719	117,931
284	117,931	418	6,743	111,189
285	111,189	394	6,767	104,422
286	104,422	370	6,791	97,632
287	97,632	346	6,815	90,817
288	90,817	322	6,839	83,978
289	83,978	297	6,863	77,115
290	77,115	273	6,887	70,228
291	70,228	249	6,912	63,317
292	63,317	224	6,936	56,380
293	56,380	200	6,961	49,420
294	49,420	175	6,985	42,435
295	42,435	150	7,010	35,424
296	35,424	125	7,035	28,390
297	28,390	101	7,060	21,330
298	21,330	76	7,085	14,245
299	14,245	50	7,110	7,135
300	7,135	25	7,135	0

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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.