REIN Investment · Iraz Creek Views

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 969,245

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 969,245

Monthly repayment

AED 5,251

Total paid over 25 years

AED 1,575,230

of which interest AED 605,986

Total upfront cash

AED 1,103,039 – AED 1,106,039

DepositAED 969,245
DLD transfer fee (4% + admin)AED 78,120
Mortgage registration (0.25% + admin)AED 2,713
Bank arrangement feeAED 9,692
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 38,770

Plus life and property insurance, estimated AED 4,846/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 387,698
During construction · 20%AED 387,698
Upon Handover · 60%AED 1,163,093

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 920,782 — you bring AED 48,462 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	969,245	3,433	1,818	967,426
2	967,426	3,426	1,824	965,602
3	965,602	3,420	1,831	963,771
4	963,771	3,413	1,837	961,934
5	961,934	3,407	1,844	960,090
6	960,090	3,400	1,850	958,239
7	958,239	3,394	1,857	956,382
8	956,382	3,387	1,864	954,519
9	954,519	3,381	1,870	952,649
10	952,649	3,374	1,877	950,772
11	950,772	3,367	1,883	948,888
12	948,888	3,361	1,890	946,998
13	946,998	3,354	1,897	945,101
14	945,101	3,347	1,904	943,198
15	943,198	3,340	1,910	941,288
16	941,288	3,334	1,917	939,371
17	939,371	3,327	1,924	937,447
18	937,447	3,320	1,931	935,516
19	935,516	3,313	1,937	933,579
20	933,579	3,306	1,944	931,634
21	931,634	3,300	1,951	929,683
22	929,683	3,293	1,958	927,725
23	927,725	3,286	1,965	925,760
24	925,760	3,279	1,972	923,788
25	923,788	3,272	1,979	921,809
26	921,809	3,265	1,986	919,823
27	919,823	3,258	1,993	917,830
28	917,830	3,251	2,000	915,830
29	915,830	3,244	2,007	913,822
30	913,822	3,236	2,014	911,808
31	911,808	3,229	2,021	909,787
32	909,787	3,222	2,029	907,758
33	907,758	3,215	2,036	905,722
34	905,722	3,208	2,043	903,679
35	903,679	3,201	2,050	901,629
36	901,629	3,193	2,057	899,571
37	899,571	3,186	2,065	897,507
38	897,507	3,179	2,072	895,435
39	895,435	3,171	2,079	893,355
40	893,355	3,164	2,087	891,268
41	891,268	3,157	2,094	889,174
42	889,174	3,149	2,102	887,072
43	887,072	3,142	2,109	884,963
44	884,963	3,134	2,117	882,847
45	882,847	3,127	2,124	880,723
46	880,723	3,119	2,132	878,591
47	878,591	3,112	2,139	876,452
48	876,452	3,104	2,147	874,306
49	874,306	3,096	2,154	872,151
50	872,151	3,089	2,162	869,989
51	869,989	3,081	2,170	867,820
52	867,820	3,074	2,177	865,643
53	865,643	3,066	2,185	863,458
54	863,458	3,058	2,193	861,265
55	861,265	3,050	2,200	859,065
56	859,065	3,043	2,208	856,856
57	856,856	3,035	2,216	854,640
58	854,640	3,027	2,224	852,416
59	852,416	3,019	2,232	850,185
60	850,185	3,011	2,240	847,945
61	847,945	3,003	2,248	845,697
62	845,697	2,995	2,256	843,442
63	843,442	2,987	2,264	841,178
64	841,178	2,979	2,272	838,906
65	838,906	2,971	2,280	836,627
66	836,627	2,963	2,288	834,339
67	834,339	2,955	2,296	832,043
68	832,043	2,947	2,304	829,739
69	829,739	2,939	2,312	827,427
70	827,427	2,930	2,320	825,107
71	825,107	2,922	2,329	822,778
72	822,778	2,914	2,337	820,442
73	820,442	2,906	2,345	818,097
74	818,097	2,897	2,353	815,743
75	815,743	2,889	2,362	813,382
76	813,382	2,881	2,370	811,012
77	811,012	2,872	2,378	808,633
78	808,633	2,864	2,387	806,246
79	806,246	2,855	2,395	803,851
80	803,851	2,847	2,404	801,447
81	801,447	2,838	2,412	799,035
82	799,035	2,830	2,421	796,614
83	796,614	2,821	2,429	794,185
84	794,185	2,813	2,438	791,747
85	791,747	2,804	2,447	789,300
86	789,300	2,795	2,455	786,845
87	786,845	2,787	2,464	784,381
88	784,381	2,778	2,473	781,908
89	781,908	2,769	2,482	779,426
90	779,426	2,760	2,490	776,936
91	776,936	2,752	2,499	774,437
92	774,437	2,743	2,508	771,929
93	771,929	2,734	2,517	769,412
94	769,412	2,725	2,526	766,886
95	766,886	2,716	2,535	764,352
96	764,352	2,707	2,544	761,808
97	761,808	2,698	2,553	759,255
98	759,255	2,689	2,562	756,693
99	756,693	2,680	2,571	754,123
100	754,123	2,671	2,580	751,543
101	751,543	2,662	2,589	748,954
102	748,954	2,653	2,598	746,355
103	746,355	2,643	2,607	743,748
104	743,748	2,634	2,617	741,131
105	741,131	2,625	2,626	738,505
106	738,505	2,616	2,635	735,870
107	735,870	2,606	2,645	733,226
108	733,226	2,597	2,654	730,572
109	730,572	2,587	2,663	727,908
110	727,908	2,578	2,673	725,236
111	725,236	2,569	2,682	722,553
112	722,553	2,559	2,692	719,862
113	719,862	2,550	2,701	717,160
114	717,160	2,540	2,711	714,450
115	714,450	2,530	2,720	711,729
116	711,729	2,521	2,730	708,999
117	708,999	2,511	2,740	706,259
118	706,259	2,501	2,749	703,510
119	703,510	2,492	2,759	700,751
120	700,751	2,482	2,769	697,982
121	697,982	2,472	2,779	695,203
122	695,203	2,462	2,789	692,415
123	692,415	2,452	2,798	689,616
124	689,616	2,442	2,808	686,808
125	686,808	2,432	2,818	683,989
126	683,989	2,422	2,828	681,161
127	681,161	2,412	2,838	678,323
128	678,323	2,402	2,848	675,474
129	675,474	2,392	2,858	672,616
130	672,616	2,382	2,869	669,747
131	669,747	2,372	2,879	666,869
132	666,869	2,362	2,889	663,980
133	663,980	2,352	2,899	661,080
134	661,080	2,341	2,909	658,171
135	658,171	2,331	2,920	655,251
136	655,251	2,321	2,930	652,321
137	652,321	2,310	2,940	649,381
138	649,381	2,300	2,951	646,430
139	646,430	2,289	2,961	643,469
140	643,469	2,279	2,972	640,497
141	640,497	2,268	2,982	637,514
142	637,514	2,258	2,993	634,521
143	634,521	2,247	3,004	631,518
144	631,518	2,237	3,014	628,504
145	628,504	2,226	3,025	625,479
146	625,479	2,215	3,036	622,443
147	622,443	2,204	3,046	619,397
148	619,397	2,194	3,057	616,340
149	616,340	2,183	3,068	613,272
150	613,272	2,172	3,079	610,193
151	610,193	2,161	3,090	607,104
152	607,104	2,150	3,101	604,003
153	604,003	2,139	3,112	600,892
154	600,892	2,128	3,123	597,769
155	597,769	2,117	3,134	594,635
156	594,635	2,106	3,145	591,491
157	591,491	2,095	3,156	588,335
158	588,335	2,084	3,167	585,168
159	585,168	2,072	3,178	581,989
160	581,989	2,061	3,190	578,800
161	578,800	2,050	3,201	575,599
162	575,599	2,039	3,212	572,387
163	572,387	2,027	3,224	569,163
164	569,163	2,016	3,235	565,928
165	565,928	2,004	3,246	562,682
166	562,682	1,993	3,258	559,424
167	559,424	1,981	3,269	556,154
168	556,154	1,970	3,281	552,873
169	552,873	1,958	3,293	549,581
170	549,581	1,946	3,304	546,276
171	546,276	1,935	3,316	542,960
172	542,960	1,923	3,328	539,632
173	539,632	1,911	3,340	536,293
174	536,293	1,899	3,351	532,941
175	532,941	1,888	3,363	529,578
176	529,578	1,876	3,375	526,203
177	526,203	1,864	3,387	522,816
178	522,816	1,852	3,399	519,417
179	519,417	1,840	3,411	516,006
180	516,006	1,828	3,423	512,582
181	512,582	1,815	3,435	509,147
182	509,147	1,803	3,448	505,699
183	505,699	1,791	3,460	502,240
184	502,240	1,779	3,472	498,768
185	498,768	1,766	3,484	495,283
186	495,283	1,754	3,497	491,787
187	491,787	1,742	3,509	488,278
188	488,278	1,729	3,521	484,756
189	484,756	1,717	3,534	481,222
190	481,222	1,704	3,546	477,676
191	477,676	1,692	3,559	474,117
192	474,117	1,679	3,572	470,545
193	470,545	1,667	3,584	466,961
194	466,961	1,654	3,597	463,364
195	463,364	1,641	3,610	459,754
196	459,754	1,628	3,622	456,132
197	456,132	1,615	3,635	452,497
198	452,497	1,603	3,648	448,848
199	448,848	1,590	3,661	445,187
200	445,187	1,577	3,674	441,513
201	441,513	1,564	3,687	437,826
202	437,826	1,551	3,700	434,126
203	434,126	1,538	3,713	430,413
204	430,413	1,524	3,726	426,686
205	426,686	1,511	3,740	422,947
206	422,947	1,498	3,753	419,194
207	419,194	1,485	3,766	415,428
208	415,428	1,471	3,779	411,648
209	411,648	1,458	3,793	407,856
210	407,856	1,444	3,806	404,049
211	404,049	1,431	3,820	400,230
212	400,230	1,417	3,833	396,396
213	396,396	1,404	3,847	392,549
214	392,549	1,390	3,860	388,689
215	388,689	1,377	3,874	384,815
216	384,815	1,363	3,888	380,927
217	380,927	1,349	3,902	377,025
218	377,025	1,335	3,915	373,110
219	373,110	1,321	3,929	369,180
220	369,180	1,308	3,943	365,237
221	365,237	1,294	3,957	361,280
222	361,280	1,280	3,971	357,309
223	357,309	1,265	3,985	353,323
224	353,323	1,251	3,999	349,324
225	349,324	1,237	4,014	345,310
226	345,310	1,223	4,028	341,283
227	341,283	1,209	4,042	337,241
228	337,241	1,194	4,056	333,184
229	333,184	1,180	4,071	329,114
230	329,114	1,166	4,085	325,028
231	325,028	1,151	4,100	320,929
232	320,929	1,137	4,114	316,815
233	316,815	1,122	4,129	312,686
234	312,686	1,107	4,143	308,543
235	308,543	1,093	4,158	304,385
236	304,385	1,078	4,173	300,212
237	300,212	1,063	4,188	296,024
238	296,024	1,048	4,202	291,822
239	291,822	1,034	4,217	287,605
240	287,605	1,019	4,232	283,373
241	283,373	1,004	4,247	279,125
242	279,125	989	4,262	274,863
243	274,863	973	4,277	270,586
244	270,586	958	4,292	266,293
245	266,293	943	4,308	261,986
246	261,986	928	4,323	257,663
247	257,663	913	4,338	253,325
248	253,325	897	4,354	248,971
249	248,971	882	4,369	244,602
250	244,602	866	4,384	240,218
251	240,218	851	4,400	235,818
252	235,818	835	4,416	231,402
253	231,402	820	4,431	226,971
254	226,971	804	4,447	222,524
255	222,524	788	4,463	218,061
256	218,061	772	4,478	213,583
257	213,583	756	4,494	209,088
258	209,088	741	4,510	204,578
259	204,578	725	4,526	200,052
260	200,052	709	4,542	195,510
261	195,510	692	4,558	190,951
262	190,951	676	4,574	186,377
263	186,377	660	4,591	181,786
264	181,786	644	4,607	177,179
265	177,179	628	4,623	172,556
266	172,556	611	4,640	167,916
267	167,916	595	4,656	163,260
268	163,260	578	4,673	158,588
269	158,588	562	4,689	153,899
270	153,899	545	4,706	149,193
271	149,193	528	4,722	144,471
272	144,471	512	4,739	139,732
273	139,732	495	4,756	134,976
274	134,976	478	4,773	130,203
275	130,203	461	4,790	125,413
276	125,413	444	4,807	120,607
277	120,607	427	4,824	115,783
278	115,783	410	4,841	110,942
279	110,942	393	4,858	106,085
280	106,085	376	4,875	101,209
281	101,209	358	4,892	96,317
282	96,317	341	4,910	91,408
283	91,408	324	4,927	86,480
284	86,480	306	4,944	81,536
285	81,536	289	4,962	76,574
286	76,574	271	4,980	71,594
287	71,594	254	4,997	66,597
288	66,597	236	5,015	61,582
289	61,582	218	5,033	56,550
290	56,550	200	5,050	51,499
291	51,499	182	5,068	46,431
292	46,431	164	5,086	41,344
293	41,344	146	5,104	36,240
294	36,240	128	5,122	31,118
295	31,118	110	5,141	25,977
296	25,977	92	5,159	20,818
297	20,818	74	5,177	15,641
298	15,641	55	5,195	10,446
299	10,446	37	5,214	5,232
300	5,232	19	5,232	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.