REIN Investment · Eleve

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 767,576

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 767,576

Monthly repayment

AED 4,158

Total paid over 25 years

AED 1,247,475

of which interest AED 479,899

Total upfront cash

AED 874,650 – AED 877,650

DepositAED 767,576
DLD transfer fee (4% + admin)AED 61,986
Mortgage registration (0.25% + admin)AED 2,209
Bank arrangement feeAED 7,676
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 30,703

Plus life and property insurance, estimated AED 3,838/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 153,515
During construction · 40%AED 614,061
Upon Handover · 20%AED 307,030
During 30 months PH · 30%AED 460,546

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 729,197 — you bring AED 38,379 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	767,576	2,718	1,440	766,136
2	766,136	2,713	1,445	764,691
3	764,691	2,708	1,450	763,241
4	763,241	2,703	1,455	761,786
5	761,786	2,698	1,460	760,326
6	760,326	2,693	1,465	758,861
7	758,861	2,688	1,471	757,390
8	757,390	2,682	1,476	755,914
9	755,914	2,677	1,481	754,433
10	754,433	2,672	1,486	752,947
11	752,947	2,667	1,492	751,455
12	751,455	2,661	1,497	749,958
13	749,958	2,656	1,502	748,456
14	748,456	2,651	1,507	746,949
15	746,949	2,645	1,513	745,436
16	745,436	2,640	1,518	743,918
17	743,918	2,635	1,524	742,394
18	742,394	2,629	1,529	740,865
19	740,865	2,624	1,534	739,331
20	739,331	2,618	1,540	737,791
21	737,791	2,613	1,545	736,246
22	736,246	2,608	1,551	734,695
23	734,695	2,602	1,556	733,139
24	733,139	2,597	1,562	731,577
25	731,577	2,591	1,567	730,010
26	730,010	2,585	1,573	728,437
27	728,437	2,580	1,578	726,859
28	726,859	2,574	1,584	725,275
29	725,275	2,569	1,590	723,685
30	723,685	2,563	1,595	722,090
31	722,090	2,557	1,601	720,489
32	720,489	2,552	1,607	718,883
33	718,883	2,546	1,612	717,271
34	717,271	2,540	1,618	715,653
35	715,653	2,535	1,624	714,029
36	714,029	2,529	1,629	712,400
37	712,400	2,523	1,635	710,764
38	710,764	2,517	1,641	709,124
39	709,124	2,511	1,647	707,477
40	707,477	2,506	1,653	705,824
41	705,824	2,500	1,658	704,166
42	704,166	2,494	1,664	702,501
43	702,501	2,488	1,670	700,831
44	700,831	2,482	1,676	699,155
45	699,155	2,476	1,682	697,473
46	697,473	2,470	1,688	695,785
47	695,785	2,464	1,694	694,091
48	694,091	2,458	1,700	692,391
49	692,391	2,452	1,706	690,685
50	690,685	2,446	1,712	688,973
51	688,973	2,440	1,718	687,255
52	687,255	2,434	1,724	685,530
53	685,530	2,428	1,730	683,800
54	683,800	2,422	1,736	682,064
55	682,064	2,416	1,743	680,321
56	680,321	2,409	1,749	678,572
57	678,572	2,403	1,755	676,817
58	676,817	2,397	1,761	675,056
59	675,056	2,391	1,767	673,289
60	673,289	2,385	1,774	671,515
61	671,515	2,378	1,780	669,735
62	669,735	2,372	1,786	667,949
63	667,949	2,366	1,793	666,156
64	666,156	2,359	1,799	664,357
65	664,357	2,353	1,805	662,552
66	662,552	2,347	1,812	660,740
67	660,740	2,340	1,818	658,922
68	658,922	2,334	1,825	657,097
69	657,097	2,327	1,831	655,266
70	655,266	2,321	1,838	653,429
71	653,429	2,314	1,844	651,585
72	651,585	2,308	1,851	649,734
73	649,734	2,301	1,857	647,877
74	647,877	2,295	1,864	646,013
75	646,013	2,288	1,870	644,143
76	644,143	2,281	1,877	642,266
77	642,266	2,275	1,884	640,383
78	640,383	2,268	1,890	638,492
79	638,492	2,261	1,897	636,596
80	636,596	2,255	1,904	634,692
81	634,692	2,248	1,910	632,781
82	632,781	2,241	1,917	630,864
83	630,864	2,234	1,924	628,940
84	628,940	2,227	1,931	627,010
85	627,010	2,221	1,938	625,072
86	625,072	2,214	1,944	623,128
87	623,128	2,207	1,951	621,176
88	621,176	2,200	1,958	619,218
89	619,218	2,193	1,965	617,253
90	617,253	2,186	1,972	615,281
91	615,281	2,179	1,979	613,302
92	613,302	2,172	1,986	611,315
93	611,315	2,165	1,993	609,322
94	609,322	2,158	2,000	607,322
95	607,322	2,151	2,007	605,315
96	605,315	2,144	2,014	603,300
97	603,300	2,137	2,022	601,279
98	601,279	2,130	2,029	599,250
99	599,250	2,122	2,036	597,214
100	597,214	2,115	2,043	595,171
101	595,171	2,108	2,050	593,121
102	593,121	2,101	2,058	591,063
103	591,063	2,093	2,065	588,998
104	588,998	2,086	2,072	586,926
105	586,926	2,079	2,080	584,846
106	584,846	2,071	2,087	582,759
107	582,759	2,064	2,094	580,665
108	580,665	2,057	2,102	578,563
109	578,563	2,049	2,109	576,454
110	576,454	2,042	2,117	574,337
111	574,337	2,034	2,124	572,213
112	572,213	2,027	2,132	570,082
113	570,082	2,019	2,139	567,942
114	567,942	2,011	2,147	565,796
115	565,796	2,004	2,154	563,641
116	563,641	1,996	2,162	561,479
117	561,479	1,989	2,170	559,310
118	559,310	1,981	2,177	557,132
119	557,132	1,973	2,185	554,947
120	554,947	1,965	2,193	552,754
121	552,754	1,958	2,201	550,554
122	550,554	1,950	2,208	548,345
123	548,345	1,942	2,216	546,129
124	546,129	1,934	2,224	543,905
125	543,905	1,926	2,232	541,673
126	541,673	1,918	2,240	539,433
127	539,433	1,910	2,248	537,186
128	537,186	1,903	2,256	534,930
129	534,930	1,895	2,264	532,666
130	532,666	1,887	2,272	530,395
131	530,395	1,878	2,280	528,115
132	528,115	1,870	2,288	525,827
133	525,827	1,862	2,296	523,531
134	523,531	1,854	2,304	521,227
135	521,227	1,846	2,312	518,915
136	518,915	1,838	2,320	516,594
137	516,594	1,830	2,329	514,266
138	514,266	1,821	2,337	511,929
139	511,929	1,813	2,345	509,583
140	509,583	1,805	2,353	507,230
141	507,230	1,796	2,362	504,868
142	504,868	1,788	2,370	502,498
143	502,498	1,780	2,379	500,119
144	500,119	1,771	2,387	497,732
145	497,732	1,763	2,395	495,337
146	495,337	1,754	2,404	492,933
147	492,933	1,746	2,412	490,521
148	490,521	1,737	2,421	488,100
149	488,100	1,729	2,430	485,670
150	485,670	1,720	2,438	483,232
151	483,232	1,711	2,447	480,785
152	480,785	1,703	2,455	478,330
153	478,330	1,694	2,464	475,865
154	475,865	1,685	2,473	473,393
155	473,393	1,677	2,482	470,911
156	470,911	1,668	2,490	468,420
157	468,420	1,659	2,499	465,921
158	465,921	1,650	2,508	463,413
159	463,413	1,641	2,517	460,896
160	460,896	1,632	2,526	458,370
161	458,370	1,623	2,535	455,835
162	455,835	1,614	2,544	453,291
163	453,291	1,605	2,553	450,739
164	450,739	1,596	2,562	448,177
165	448,177	1,587	2,571	445,606
166	445,606	1,578	2,580	443,026
167	443,026	1,569	2,589	440,437
168	440,437	1,560	2,598	437,838
169	437,838	1,551	2,608	435,231
170	435,231	1,541	2,617	432,614
171	432,614	1,532	2,626	429,988
172	429,988	1,523	2,635	427,352
173	427,352	1,514	2,645	424,708
174	424,708	1,504	2,654	422,054
175	422,054	1,495	2,663	419,390
176	419,390	1,485	2,673	416,717
177	416,717	1,476	2,682	414,035
178	414,035	1,466	2,692	411,343
179	411,343	1,457	2,701	408,641
180	408,641	1,447	2,711	405,930
181	405,930	1,438	2,721	403,210
182	403,210	1,428	2,730	400,480
183	400,480	1,418	2,740	397,740
184	397,740	1,409	2,750	394,990
185	394,990	1,399	2,759	392,231
186	392,231	1,389	2,769	389,462
187	389,462	1,379	2,779	386,683
188	386,683	1,370	2,789	383,894
189	383,894	1,360	2,799	381,095
190	381,095	1,350	2,809	378,287
191	378,287	1,340	2,818	375,468
192	375,468	1,330	2,828	372,640
193	372,640	1,320	2,838	369,802
194	369,802	1,310	2,849	366,953
195	366,953	1,300	2,859	364,094
196	364,094	1,290	2,869	361,226
197	361,226	1,279	2,879	358,347
198	358,347	1,269	2,889	355,458
199	355,458	1,259	2,899	352,558
200	352,558	1,249	2,910	349,649
201	349,649	1,238	2,920	346,729
202	346,729	1,228	2,930	343,798
203	343,798	1,218	2,941	340,858
204	340,858	1,207	2,951	337,907
205	337,907	1,197	2,961	334,945
206	334,945	1,186	2,972	331,973
207	331,973	1,176	2,983	328,991
208	328,991	1,165	2,993	325,998
209	325,998	1,155	3,004	322,994
210	322,994	1,144	3,014	319,980
211	319,980	1,133	3,025	316,955
212	316,955	1,123	3,036	313,919
213	313,919	1,112	3,046	310,873
214	310,873	1,101	3,057	307,815
215	307,815	1,090	3,068	304,747
216	304,747	1,079	3,079	301,668
217	301,668	1,068	3,090	298,578
218	298,578	1,057	3,101	295,478
219	295,478	1,046	3,112	292,366
220	292,366	1,035	3,123	289,243
221	289,243	1,024	3,134	286,109
222	286,109	1,013	3,145	282,964
223	282,964	1,002	3,156	279,808
224	279,808	991	3,167	276,641
225	276,641	980	3,178	273,462
226	273,462	969	3,190	270,273
227	270,273	957	3,201	267,072
228	267,072	946	3,212	263,859
229	263,859	935	3,224	260,636
230	260,636	923	3,235	257,400
231	257,400	912	3,247	254,154
232	254,154	900	3,258	250,896
233	250,896	889	3,270	247,626
234	247,626	877	3,281	244,345
235	244,345	865	3,293	241,052
236	241,052	854	3,305	237,747
237	237,747	842	3,316	234,431
238	234,431	830	3,328	231,103
239	231,103	818	3,340	227,763
240	227,763	807	3,352	224,412
241	224,412	795	3,363	221,048
242	221,048	783	3,375	217,673
243	217,673	771	3,387	214,286
244	214,286	759	3,399	210,886
245	210,886	747	3,411	207,475
246	207,475	735	3,423	204,052
247	204,052	723	3,436	200,616
248	200,616	711	3,448	197,168
249	197,168	698	3,460	193,708
250	193,708	686	3,472	190,236
251	190,236	674	3,484	186,752
252	186,752	661	3,497	183,255
253	183,255	649	3,509	179,746
254	179,746	637	3,522	176,224
255	176,224	624	3,534	172,690
256	172,690	612	3,547	169,143
257	169,143	599	3,559	165,584
258	165,584	586	3,572	162,012
259	162,012	574	3,584	158,428
260	158,428	561	3,597	154,830
261	154,830	548	3,610	151,221
262	151,221	536	3,623	147,598
263	147,598	523	3,636	143,962
264	143,962	510	3,648	140,314
265	140,314	497	3,661	136,653
266	136,653	484	3,674	132,978
267	132,978	471	3,687	129,291
268	129,291	458	3,700	125,591
269	125,591	445	3,713	121,877
270	121,877	432	3,727	118,151
271	118,151	418	3,740	114,411
272	114,411	405	3,753	110,658
273	110,658	392	3,766	106,892
274	106,892	379	3,780	103,112
275	103,112	365	3,793	99,319
276	99,319	352	3,806	95,512
277	95,512	338	3,820	91,692
278	91,692	325	3,834	87,859
279	87,859	311	3,847	84,012
280	84,012	298	3,861	80,151
281	80,151	284	3,874	76,277
282	76,277	270	3,888	72,389
283	72,389	256	3,902	68,487
284	68,487	243	3,916	64,571
285	64,571	229	3,930	60,641
286	60,641	215	3,943	56,698
287	56,698	201	3,957	52,741
288	52,741	187	3,971	48,769
289	48,769	173	3,986	44,784
290	44,784	159	4,000	40,784
291	40,784	144	4,014	36,770
292	36,770	130	4,028	32,742
293	32,742	116	4,042	28,700
294	28,700	102	4,057	24,643
295	24,643	87	4,071	20,572
296	20,572	73	4,085	16,487
297	16,487	58	4,100	12,387
298	12,387	44	4,114	8,273
299	8,273	29	4,129	4,144
300	4,144	15	4,144	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.