REIN Investment · Celeste by HRE

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 769,750

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 769,750

Monthly repayment

AED 4,170

Total paid over 25 years

AED 1,251,009

of which interest AED 481,259

Total upfront cash

AED 877,112 – AED 880,112

DepositAED 769,750
DLD transfer fee (4% + admin)AED 62,160
Mortgage registration (0.25% + admin)AED 2,214
Bank arrangement feeAED 7,698
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 30,790

Plus life and property insurance, estimated AED 3,849/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 307,900
During construction · 30%AED 461,850
Upon Handover · 50%AED 769,750

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 731,263 — you bring AED 38,488 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	769,750	2,726	1,444	768,306
2	768,306	2,721	1,449	766,857
3	766,857	2,716	1,454	765,403
4	765,403	2,711	1,459	763,944
5	763,944	2,706	1,464	762,480
6	762,480	2,700	1,470	761,010
7	761,010	2,695	1,475	759,535
8	759,535	2,690	1,480	758,055
9	758,055	2,685	1,485	756,570
10	756,570	2,680	1,491	755,079
11	755,079	2,674	1,496	753,584
12	753,584	2,669	1,501	752,083
13	752,083	2,664	1,506	750,576
14	750,576	2,658	1,512	749,064
15	749,064	2,653	1,517	747,547
16	747,547	2,648	1,522	746,025
17	746,025	2,642	1,528	744,497
18	744,497	2,637	1,533	742,964
19	742,964	2,631	1,539	741,425
20	741,425	2,626	1,544	739,881
21	739,881	2,620	1,550	738,331
22	738,331	2,615	1,555	736,776
23	736,776	2,609	1,561	735,216
24	735,216	2,604	1,566	733,649
25	733,649	2,598	1,572	732,078
26	732,078	2,593	1,577	730,500
27	730,500	2,587	1,583	728,918
28	728,918	2,582	1,588	727,329
29	727,329	2,576	1,594	725,735
30	725,735	2,570	1,600	724,135
31	724,135	2,565	1,605	722,530
32	722,530	2,559	1,611	720,919
33	720,919	2,553	1,617	719,302
34	719,302	2,548	1,623	717,680
35	717,680	2,542	1,628	716,051
36	716,051	2,536	1,634	714,417
37	714,417	2,530	1,640	712,778
38	712,778	2,524	1,646	711,132
39	711,132	2,519	1,651	709,481
40	709,481	2,513	1,657	707,823
41	707,823	2,507	1,663	706,160
42	706,160	2,501	1,669	704,491
43	704,491	2,495	1,675	702,816
44	702,816	2,489	1,681	701,135
45	701,135	2,483	1,687	699,448
46	699,448	2,477	1,693	697,756
47	697,756	2,471	1,699	696,057
48	696,057	2,465	1,705	694,352
49	694,352	2,459	1,711	692,641
50	692,641	2,453	1,717	690,924
51	690,924	2,447	1,723	689,201
52	689,201	2,441	1,729	687,472
53	687,472	2,435	1,735	685,737
54	685,737	2,429	1,741	683,995
55	683,995	2,422	1,748	682,248
56	682,248	2,416	1,754	680,494
57	680,494	2,410	1,760	678,734
58	678,734	2,404	1,766	676,968
59	676,968	2,398	1,772	675,196
60	675,196	2,391	1,779	673,417
61	673,417	2,385	1,785	671,632
62	671,632	2,379	1,791	669,840
63	669,840	2,372	1,798	668,043
64	668,043	2,366	1,804	666,239
65	666,239	2,360	1,810	664,428
66	664,428	2,353	1,817	662,611
67	662,611	2,347	1,823	660,788
68	660,788	2,340	1,830	658,958
69	658,958	2,334	1,836	657,122
70	657,122	2,327	1,843	655,280
71	655,280	2,321	1,849	653,430
72	653,430	2,314	1,856	651,574
73	651,574	2,308	1,862	649,712
74	649,712	2,301	1,869	647,843
75	647,843	2,294	1,876	645,968
76	645,968	2,288	1,882	644,085
77	644,085	2,281	1,889	642,196
78	642,196	2,274	1,896	640,301
79	640,301	2,268	1,902	638,399
80	638,399	2,261	1,909	636,490
81	636,490	2,254	1,916	634,574
82	634,574	2,247	1,923	632,651
83	632,651	2,241	1,929	630,722
84	630,722	2,234	1,936	628,786
85	628,786	2,227	1,943	626,842
86	626,842	2,220	1,950	624,892
87	624,892	2,213	1,957	622,936
88	622,936	2,206	1,964	620,972
89	620,972	2,199	1,971	619,001
90	619,001	2,192	1,978	617,023
91	617,023	2,185	1,985	615,039
92	615,039	2,178	1,992	613,047
93	613,047	2,171	1,999	611,048
94	611,048	2,164	2,006	609,042
95	609,042	2,157	2,013	607,029
96	607,029	2,150	2,020	605,009
97	605,009	2,143	2,027	602,982
98	602,982	2,136	2,034	600,947
99	600,947	2,128	2,042	598,906
100	598,906	2,121	2,049	596,857
101	596,857	2,114	2,056	594,800
102	594,800	2,107	2,063	592,737
103	592,737	2,099	2,071	590,666
104	590,666	2,092	2,078	588,588
105	588,588	2,085	2,085	586,503
106	586,503	2,077	2,093	584,410
107	584,410	2,070	2,100	582,310
108	582,310	2,062	2,108	580,202
109	580,202	2,055	2,115	578,087
110	578,087	2,047	2,123	575,964
111	575,964	2,040	2,130	573,834
112	573,834	2,032	2,138	571,696
113	571,696	2,025	2,145	569,551
114	569,551	2,017	2,153	567,398
115	567,398	2,010	2,160	565,238
116	565,238	2,002	2,168	563,070
117	563,070	1,994	2,176	560,894
118	560,894	1,986	2,184	558,710
119	558,710	1,979	2,191	556,519
120	556,519	1,971	2,199	554,320
121	554,320	1,963	2,207	552,113
122	552,113	1,955	2,215	549,898
123	549,898	1,948	2,222	547,676
124	547,676	1,940	2,230	545,446
125	545,446	1,932	2,238	543,207
126	543,207	1,924	2,246	540,961
127	540,961	1,916	2,254	538,707
128	538,707	1,908	2,262	536,445
129	536,445	1,900	2,270	534,175
130	534,175	1,892	2,278	531,897
131	531,897	1,884	2,286	529,611
132	529,611	1,876	2,294	527,316
133	527,316	1,868	2,302	525,014
134	525,014	1,859	2,311	522,703
135	522,703	1,851	2,319	520,384
136	520,384	1,843	2,327	518,057
137	518,057	1,835	2,335	515,722
138	515,722	1,827	2,344	513,379
139	513,379	1,818	2,352	511,027
140	511,027	1,810	2,360	508,667
141	508,667	1,802	2,369	506,298
142	506,298	1,793	2,377	503,921
143	503,921	1,785	2,385	501,536
144	501,536	1,776	2,394	499,142
145	499,142	1,768	2,402	496,740
146	496,740	1,759	2,411	494,329
147	494,329	1,751	2,419	491,910
148	491,910	1,742	2,428	489,482
149	489,482	1,734	2,436	487,046
150	487,046	1,725	2,445	484,601
151	484,601	1,716	2,454	482,147
152	482,147	1,708	2,462	479,684
153	479,684	1,699	2,471	477,213
154	477,213	1,690	2,480	474,733
155	474,733	1,681	2,489	472,245
156	472,245	1,673	2,497	469,747
157	469,747	1,664	2,506	467,241
158	467,241	1,655	2,515	464,726
159	464,726	1,646	2,524	462,201
160	462,201	1,637	2,533	459,668
161	459,668	1,628	2,542	457,126
162	457,126	1,619	2,551	454,575
163	454,575	1,610	2,560	452,015
164	452,015	1,601	2,569	449,446
165	449,446	1,592	2,578	446,868
166	446,868	1,583	2,587	444,280
167	444,280	1,573	2,597	441,684
168	441,684	1,564	2,606	439,078
169	439,078	1,555	2,615	436,463
170	436,463	1,546	2,624	433,839
171	433,839	1,537	2,634	431,206
172	431,206	1,527	2,643	428,563
173	428,563	1,518	2,652	425,910
174	425,910	1,508	2,662	423,249
175	423,249	1,499	2,671	420,578
176	420,578	1,490	2,680	417,897
177	417,897	1,480	2,690	415,207
178	415,207	1,471	2,700	412,508
179	412,508	1,461	2,709	409,799
180	409,799	1,451	2,719	407,080
181	407,080	1,442	2,728	404,352
182	404,352	1,432	2,738	401,614
183	401,614	1,422	2,748	398,866
184	398,866	1,413	2,757	396,109
185	396,109	1,403	2,767	393,342
186	393,342	1,393	2,777	390,565
187	390,565	1,383	2,787	387,778
188	387,778	1,373	2,797	384,981
189	384,981	1,363	2,807	382,175
190	382,175	1,354	2,816	379,358
191	379,358	1,344	2,826	376,532
192	376,532	1,334	2,836	373,695
193	373,695	1,324	2,847	370,849
194	370,849	1,313	2,857	367,992
195	367,992	1,303	2,867	365,126
196	365,126	1,293	2,877	362,249
197	362,249	1,283	2,887	359,362
198	359,362	1,273	2,897	356,464
199	356,464	1,262	2,908	353,557
200	353,557	1,252	2,918	350,639
201	350,639	1,242	2,928	347,711
202	347,711	1,231	2,939	344,772
203	344,772	1,221	2,949	341,823
204	341,823	1,211	2,959	338,864
205	338,864	1,200	2,970	335,894
206	335,894	1,190	2,980	332,914
207	332,914	1,179	2,991	329,923
208	329,923	1,168	3,002	326,921
209	326,921	1,158	3,012	323,909
210	323,909	1,147	3,023	320,886
211	320,886	1,136	3,034	317,852
212	317,852	1,126	3,044	314,808
213	314,808	1,115	3,055	311,753
214	311,753	1,104	3,066	308,687
215	308,687	1,093	3,077	305,610
216	305,610	1,082	3,088	302,523
217	302,523	1,071	3,099	299,424
218	299,424	1,060	3,110	296,315
219	296,315	1,049	3,121	293,194
220	293,194	1,038	3,132	290,062
221	290,062	1,027	3,143	286,920
222	286,920	1,016	3,154	283,766
223	283,766	1,005	3,165	280,601
224	280,601	994	3,176	277,425
225	277,425	983	3,187	274,237
226	274,237	971	3,199	271,038
227	271,038	960	3,210	267,828
228	267,828	949	3,221	264,607
229	264,607	937	3,233	261,374
230	261,374	926	3,244	258,129
231	258,129	914	3,256	254,874
232	254,874	903	3,267	251,606
233	251,606	891	3,279	248,327
234	248,327	879	3,291	245,037
235	245,037	868	3,302	241,735
236	241,735	856	3,314	238,421
237	238,421	844	3,326	235,095
238	235,095	833	3,337	231,758
239	231,758	821	3,349	228,409
240	228,409	809	3,361	225,047
241	225,047	797	3,373	221,674
242	221,674	785	3,385	218,290
243	218,290	773	3,397	214,893
244	214,893	761	3,409	211,484
245	211,484	749	3,421	208,063
246	208,063	737	3,433	204,629
247	204,629	725	3,445	201,184
248	201,184	713	3,458	197,727
249	197,727	700	3,470	194,257
250	194,257	688	3,482	190,775
251	190,775	676	3,494	187,281
252	187,281	663	3,507	183,774
253	183,774	651	3,519	180,255
254	180,255	638	3,532	176,723
255	176,723	626	3,544	173,179
256	173,179	613	3,557	169,622
257	169,622	601	3,569	166,053
258	166,053	588	3,582	162,471
259	162,471	575	3,595	158,876
260	158,876	563	3,607	155,269
261	155,269	550	3,620	151,649
262	151,649	537	3,633	148,016
263	148,016	524	3,646	144,370
264	144,370	511	3,659	140,711
265	140,711	498	3,672	137,040
266	137,040	485	3,685	133,355
267	133,355	472	3,698	129,657
268	129,657	459	3,711	125,947
269	125,947	446	3,724	122,223
270	122,223	433	3,737	118,485
271	118,485	420	3,750	114,735
272	114,735	406	3,764	110,971
273	110,971	393	3,777	107,194
274	107,194	380	3,790	103,404
275	103,404	366	3,804	99,600
276	99,600	353	3,817	95,783
277	95,783	339	3,831	91,952
278	91,952	326	3,844	88,108
279	88,108	312	3,858	84,250
280	84,250	298	3,872	80,378
281	80,378	285	3,885	76,493
282	76,493	271	3,899	72,594
283	72,594	257	3,913	68,681
284	68,681	243	3,927	64,754
285	64,754	229	3,941	60,813
286	60,813	215	3,955	56,859
287	56,859	201	3,969	52,890
288	52,890	187	3,983	48,907
289	48,907	173	3,997	44,910
290	44,910	159	4,011	40,899
291	40,899	145	4,025	36,874
292	36,874	131	4,039	32,835
293	32,835	116	4,054	28,781
294	28,781	102	4,068	24,713
295	24,713	88	4,083	20,630
296	20,630	73	4,097	16,533
297	16,533	59	4,111	12,422
298	12,422	44	4,126	8,296
299	8,296	29	4,141	4,155
300	4,155	15	4,155	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.