REIN Investment · Iconic 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 1,981,925

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 1,981,925

Monthly repayment

AED 10,737

Total paid over 25 years

AED 3,221,052

of which interest AED 1,239,128

Total upfront cash

AED 2,249,899 – AED 2,252,899

DepositAED 1,981,925
DLD transfer fee (4% + admin)AED 159,134
Mortgage registration (0.25% + admin)AED 5,245
Bank arrangement feeAED 19,819
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 79,277

Plus life and property insurance, estimated AED 9,910/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 5%AED 198,192
During construction · 25%AED 990,962
Upon Handover · 70%AED 2,774,694

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 1,882,828 — you bring AED 99,096 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,981,925	7,019	3,718	1,978,207
2	1,978,207	7,006	3,731	1,974,476
3	1,974,476	6,993	3,744	1,970,732
4	1,970,732	6,980	3,757	1,966,975
5	1,966,975	6,966	3,770	1,963,205
6	1,963,205	6,953	3,784	1,959,421
7	1,959,421	6,940	3,797	1,955,624
8	1,955,624	6,926	3,811	1,951,813
9	1,951,813	6,913	3,824	1,947,989
10	1,947,989	6,899	3,838	1,944,151
11	1,944,151	6,886	3,851	1,940,300
12	1,940,300	6,872	3,865	1,936,435
13	1,936,435	6,858	3,879	1,932,556
14	1,932,556	6,844	3,892	1,928,664
15	1,928,664	6,831	3,906	1,924,758
16	1,924,758	6,817	3,920	1,920,838
17	1,920,838	6,803	3,934	1,916,904
18	1,916,904	6,789	3,948	1,912,956
19	1,912,956	6,775	3,962	1,908,994
20	1,908,994	6,761	3,976	1,905,018
21	1,905,018	6,747	3,990	1,901,029
22	1,901,029	6,733	4,004	1,897,025
23	1,897,025	6,719	4,018	1,893,006
24	1,893,006	6,704	4,032	1,888,974
25	1,888,974	6,690	4,047	1,884,927
26	1,884,927	6,676	4,061	1,880,866
27	1,880,866	6,661	4,075	1,876,791
28	1,876,791	6,647	4,090	1,872,701
29	1,872,701	6,632	4,104	1,868,596
30	1,868,596	6,618	4,119	1,864,478
31	1,864,478	6,603	4,133	1,860,344
32	1,860,344	6,589	4,148	1,856,196
33	1,856,196	6,574	4,163	1,852,033
34	1,852,033	6,559	4,178	1,847,856
35	1,847,856	6,544	4,192	1,843,663
36	1,843,663	6,530	4,207	1,839,456
37	1,839,456	6,515	4,222	1,835,234
38	1,835,234	6,500	4,237	1,830,997
39	1,830,997	6,485	4,252	1,826,745
40	1,826,745	6,470	4,267	1,822,478
41	1,822,478	6,455	4,282	1,818,195
42	1,818,195	6,439	4,297	1,813,898
43	1,813,898	6,424	4,313	1,809,585
44	1,809,585	6,409	4,328	1,805,258
45	1,805,258	6,394	4,343	1,800,914
46	1,800,914	6,378	4,359	1,796,556
47	1,796,556	6,363	4,374	1,792,182
48	1,792,182	6,347	4,390	1,787,792
49	1,787,792	6,332	4,405	1,783,387
50	1,783,387	6,316	4,421	1,778,966
51	1,778,966	6,301	4,436	1,774,530
52	1,774,530	6,285	4,452	1,770,078
53	1,770,078	6,269	4,468	1,765,610
54	1,765,610	6,253	4,484	1,761,127
55	1,761,127	6,237	4,500	1,756,627
56	1,756,627	6,221	4,515	1,752,112
57	1,752,112	6,205	4,531	1,747,580
58	1,747,580	6,189	4,547	1,743,033
59	1,743,033	6,173	4,564	1,738,469
60	1,738,469	6,157	4,580	1,733,889
61	1,733,889	6,141	4,596	1,729,293
62	1,729,293	6,125	4,612	1,724,681
63	1,724,681	6,108	4,629	1,720,052
64	1,720,052	6,092	4,645	1,715,407
65	1,715,407	6,075	4,661	1,710,746
66	1,710,746	6,059	4,678	1,706,068
67	1,706,068	6,042	4,695	1,701,374
68	1,701,374	6,026	4,711	1,696,662
69	1,696,662	6,009	4,728	1,691,935
70	1,691,935	5,992	4,745	1,687,190
71	1,687,190	5,975	4,761	1,682,429
72	1,682,429	5,959	4,778	1,677,650
73	1,677,650	5,942	4,795	1,672,855
74	1,672,855	5,925	4,812	1,668,043
75	1,668,043	5,908	4,829	1,663,214
76	1,663,214	5,891	4,846	1,658,368
77	1,658,368	5,873	4,863	1,653,504
78	1,653,504	5,856	4,881	1,648,623
79	1,648,623	5,839	4,898	1,643,726
80	1,643,726	5,822	4,915	1,638,810
81	1,638,810	5,804	4,933	1,633,877
82	1,633,877	5,787	4,950	1,628,927
83	1,628,927	5,769	4,968	1,623,960
84	1,623,960	5,752	4,985	1,618,974
85	1,618,974	5,734	5,003	1,613,971
86	1,613,971	5,716	5,021	1,608,951
87	1,608,951	5,698	5,038	1,603,912
88	1,603,912	5,681	5,056	1,598,856
89	1,598,856	5,663	5,074	1,593,782
90	1,593,782	5,645	5,092	1,588,689
91	1,588,689	5,627	5,110	1,583,579
92	1,583,579	5,609	5,128	1,578,451
93	1,578,451	5,590	5,146	1,573,304
94	1,573,304	5,572	5,165	1,568,140
95	1,568,140	5,554	5,183	1,562,957
96	1,562,957	5,535	5,201	1,557,755
97	1,557,755	5,517	5,220	1,552,535
98	1,552,535	5,499	5,238	1,547,297
99	1,547,297	5,480	5,257	1,542,040
100	1,542,040	5,461	5,275	1,536,765
101	1,536,765	5,443	5,294	1,531,471
102	1,531,471	5,424	5,313	1,526,158
103	1,526,158	5,405	5,332	1,520,826
104	1,520,826	5,386	5,351	1,515,476
105	1,515,476	5,367	5,370	1,510,106
106	1,510,106	5,348	5,389	1,504,718
107	1,504,718	5,329	5,408	1,499,310
108	1,499,310	5,310	5,427	1,493,883
109	1,493,883	5,291	5,446	1,488,437
110	1,488,437	5,272	5,465	1,482,972
111	1,482,972	5,252	5,485	1,477,487
112	1,477,487	5,233	5,504	1,471,983
113	1,471,983	5,213	5,524	1,466,460
114	1,466,460	5,194	5,543	1,460,916
115	1,460,916	5,174	5,563	1,455,354
116	1,455,354	5,154	5,582	1,449,771
117	1,449,771	5,135	5,602	1,444,169
118	1,444,169	5,115	5,622	1,438,547
119	1,438,547	5,095	5,642	1,432,905
120	1,432,905	5,075	5,662	1,427,243
121	1,427,243	5,055	5,682	1,421,561
122	1,421,561	5,035	5,702	1,415,859
123	1,415,859	5,014	5,722	1,410,136
124	1,410,136	4,994	5,743	1,404,394
125	1,404,394	4,974	5,763	1,398,631
126	1,398,631	4,953	5,783	1,392,847
127	1,392,847	4,933	5,804	1,387,044
128	1,387,044	4,912	5,824	1,381,219
129	1,381,219	4,892	5,845	1,375,374
130	1,375,374	4,871	5,866	1,369,508
131	1,369,508	4,850	5,886	1,363,622
132	1,363,622	4,829	5,907	1,357,715
133	1,357,715	4,809	5,928	1,351,786
134	1,351,786	4,788	5,949	1,345,837
135	1,345,837	4,767	5,970	1,339,867
136	1,339,867	4,745	5,991	1,333,875
137	1,333,875	4,724	6,013	1,327,863
138	1,327,863	4,703	6,034	1,321,829
139	1,321,829	4,681	6,055	1,315,773
140	1,315,773	4,660	6,077	1,309,696
141	1,309,696	4,639	6,098	1,303,598
142	1,303,598	4,617	6,120	1,297,478
143	1,297,478	4,595	6,142	1,291,337
144	1,291,337	4,573	6,163	1,285,173
145	1,285,173	4,552	6,185	1,278,988
146	1,278,988	4,530	6,207	1,272,781
147	1,272,781	4,508	6,229	1,266,552
148	1,266,552	4,486	6,251	1,260,301
149	1,260,301	4,464	6,273	1,254,027
150	1,254,027	4,441	6,295	1,247,732
151	1,247,732	4,419	6,318	1,241,414
152	1,241,414	4,397	6,340	1,235,074
153	1,235,074	4,374	6,363	1,228,711
154	1,228,711	4,352	6,385	1,222,326
155	1,222,326	4,329	6,408	1,215,918
156	1,215,918	4,306	6,430	1,209,488
157	1,209,488	4,284	6,453	1,203,035
158	1,203,035	4,261	6,476	1,196,559
159	1,196,559	4,238	6,499	1,190,060
160	1,190,060	4,215	6,522	1,183,538
161	1,183,538	4,192	6,545	1,176,992
162	1,176,992	4,169	6,568	1,170,424
163	1,170,424	4,145	6,592	1,163,833
164	1,163,833	4,122	6,615	1,157,218
165	1,157,218	4,098	6,638	1,150,579
166	1,150,579	4,075	6,662	1,143,917
167	1,143,917	4,051	6,685	1,137,232
168	1,137,232	4,028	6,709	1,130,523
169	1,130,523	4,004	6,733	1,123,790
170	1,123,790	3,980	6,757	1,117,033
171	1,117,033	3,956	6,781	1,110,252
172	1,110,252	3,932	6,805	1,103,448
173	1,103,448	3,908	6,829	1,096,619
174	1,096,619	3,884	6,853	1,089,766
175	1,089,766	3,860	6,877	1,082,889
176	1,082,889	3,835	6,902	1,075,987
177	1,075,987	3,811	6,926	1,069,061
178	1,069,061	3,786	6,951	1,062,110
179	1,062,110	3,762	6,975	1,055,135
180	1,055,135	3,737	7,000	1,048,135
181	1,048,135	3,712	7,025	1,041,111
182	1,041,111	3,687	7,050	1,034,061
183	1,034,061	3,662	7,075	1,026,987
184	1,026,987	3,637	7,100	1,019,887
185	1,019,887	3,612	7,125	1,012,762
186	1,012,762	3,587	7,150	1,005,612
187	1,005,612	3,562	7,175	998,437
188	998,437	3,536	7,201	991,236
189	991,236	3,511	7,226	984,010
190	984,010	3,485	7,252	976,758
191	976,758	3,459	7,277	969,481
192	969,481	3,434	7,303	962,177
193	962,177	3,408	7,329	954,848
194	954,848	3,382	7,355	947,493
195	947,493	3,356	7,381	940,112
196	940,112	3,330	7,407	932,705
197	932,705	3,303	7,434	925,271
198	925,271	3,277	7,460	917,812
199	917,812	3,251	7,486	910,325
200	910,325	3,224	7,513	902,812
201	902,812	3,197	7,539	895,273
202	895,273	3,171	7,566	887,707
203	887,707	3,144	7,593	880,114
204	880,114	3,117	7,620	872,494
205	872,494	3,090	7,647	864,848
206	864,848	3,063	7,674	857,174
207	857,174	3,036	7,701	849,473
208	849,473	3,009	7,728	841,744
209	841,744	2,981	7,756	833,989
210	833,989	2,954	7,783	826,206
211	826,206	2,926	7,811	818,395
212	818,395	2,898	7,838	810,557
213	810,557	2,871	7,866	802,690
214	802,690	2,843	7,894	794,797
215	794,797	2,815	7,922	786,875
216	786,875	2,787	7,950	778,925
217	778,925	2,759	7,978	770,946
218	770,946	2,730	8,006	762,940
219	762,940	2,702	8,035	754,905
220	754,905	2,674	8,063	746,842
221	746,842	2,645	8,092	738,750
222	738,750	2,616	8,120	730,630
223	730,630	2,588	8,149	722,481
224	722,481	2,559	8,178	714,303
225	714,303	2,530	8,207	706,096
226	706,096	2,501	8,236	697,860
227	697,860	2,472	8,265	689,594
228	689,594	2,442	8,295	681,300
229	681,300	2,413	8,324	672,976
230	672,976	2,383	8,353	664,622
231	664,622	2,354	8,383	656,239
232	656,239	2,324	8,413	647,827
233	647,827	2,294	8,442	639,384
234	639,384	2,264	8,472	630,912
235	630,912	2,234	8,502	622,410
236	622,410	2,204	8,532	613,877
237	613,877	2,174	8,563	605,314
238	605,314	2,144	8,593	596,721
239	596,721	2,113	8,623	588,098
240	588,098	2,083	8,654	579,444
241	579,444	2,052	8,685	570,759
242	570,759	2,021	8,715	562,044
243	562,044	1,991	8,746	553,298
244	553,298	1,960	8,777	544,520
245	544,520	1,929	8,808	535,712
246	535,712	1,897	8,840	526,873
247	526,873	1,866	8,871	518,002
248	518,002	1,835	8,902	509,100
249	509,100	1,803	8,934	500,166
250	500,166	1,771	8,965	491,200
251	491,200	1,740	8,997	482,203
252	482,203	1,708	9,029	473,174
253	473,174	1,676	9,061	464,113
254	464,113	1,644	9,093	455,020
255	455,020	1,612	9,125	445,895
256	445,895	1,579	9,158	436,737
257	436,737	1,547	9,190	427,547
258	427,547	1,514	9,223	418,324
259	418,324	1,482	9,255	409,069
260	409,069	1,449	9,288	399,781
261	399,781	1,416	9,321	390,460
262	390,460	1,383	9,354	381,106
263	381,106	1,350	9,387	371,719
264	371,719	1,317	9,420	362,299
265	362,299	1,283	9,454	352,845
266	352,845	1,250	9,487	343,358
267	343,358	1,216	9,521	333,837
268	333,837	1,182	9,555	324,283
269	324,283	1,149	9,588	314,694
270	314,694	1,115	9,622	305,072
271	305,072	1,080	9,656	295,416
272	295,416	1,046	9,691	285,725
273	285,725	1,012	9,725	276,000
274	276,000	978	9,759	266,241
275	266,241	943	9,794	256,447
276	256,447	908	9,829	246,618
277	246,618	873	9,863	236,755
278	236,755	839	9,898	226,856
279	226,856	803	9,933	216,923
280	216,923	768	9,969	206,955
281	206,955	733	10,004	196,951
282	196,951	698	10,039	186,911
283	186,911	662	10,075	176,836
284	176,836	626	10,111	166,726
285	166,726	590	10,146	156,580
286	156,580	555	10,182	146,397
287	146,397	518	10,218	136,179
288	136,179	482	10,255	125,924
289	125,924	446	10,291	115,634
290	115,634	410	10,327	105,306
291	105,306	373	10,364	94,942
292	94,942	336	10,401	84,542
293	84,542	299	10,437	74,104
294	74,104	262	10,474	63,630
295	63,630	225	10,511	53,118
296	53,118	188	10,549	42,570
297	42,570	151	10,586	31,984
298	31,984	113	10,624	21,360
299	21,360	76	10,661	10,699
300	10,699	38	10,699	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.