REIN Investment · Laya Courtyard

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 352,099

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 352,099

Monthly repayment

AED 1,907

Total paid over 25 years

AED 572,236

of which interest AED 220,137

Total upfront cash

AED 404,122 – AED 407,122

DepositAED 352,099
DLD transfer fee (4% + admin)AED 28,748
Mortgage registration (0.25% + admin)AED 1,170
Bank arrangement feeAED 3,521
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 14,084

Plus life and property insurance, estimated AED 1,760/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 70,420
During construction · 40%AED 281,679
Upon Handover · 20%AED 140,840
Within 30 months PH · 30%AED 211,259

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 334,494 — you bring AED 17,605 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	352,099	1,247	660	351,439
2	351,439	1,245	663	350,776
3	350,776	1,242	665	350,111
4	350,111	1,240	667	349,443
5	349,443	1,238	670	348,773
6	348,773	1,235	672	348,101
7	348,101	1,233	675	347,427
8	347,427	1,230	677	346,750
9	346,750	1,228	679	346,070
10	346,070	1,226	682	345,388
11	345,388	1,223	684	344,704
12	344,704	1,221	687	344,018
13	344,018	1,218	689	343,328
14	343,328	1,216	691	342,637
15	342,637	1,214	694	341,943
16	341,943	1,211	696	341,247
17	341,247	1,209	699	340,548
18	340,548	1,206	701	339,846
19	339,846	1,204	704	339,143
20	339,143	1,201	706	338,436
21	338,436	1,199	709	337,727
22	337,727	1,196	711	337,016
23	337,016	1,194	714	336,302
24	336,302	1,191	716	335,586
25	335,586	1,189	719	334,867
26	334,867	1,186	721	334,145
27	334,145	1,183	724	333,421
28	333,421	1,181	727	332,695
29	332,695	1,178	729	331,966
30	331,966	1,176	732	331,234
31	331,234	1,173	734	330,500
32	330,500	1,171	737	329,763
33	329,763	1,168	740	329,023
34	329,023	1,165	742	328,281
35	328,281	1,163	745	327,536
36	327,536	1,160	747	326,789
37	326,789	1,157	750	326,039
38	326,039	1,155	753	325,286
39	325,286	1,152	755	324,531
40	324,531	1,149	758	323,772
41	323,772	1,147	761	323,012
42	323,012	1,144	763	322,248
43	322,248	1,141	766	321,482
44	321,482	1,139	769	320,713
45	320,713	1,136	772	319,942
46	319,942	1,133	774	319,167
47	319,167	1,130	777	318,390
48	318,390	1,128	780	317,610
49	317,610	1,125	783	316,828
50	316,828	1,122	785	316,042
51	316,042	1,119	788	315,254
52	315,254	1,117	791	314,463
53	314,463	1,114	794	313,670
54	313,670	1,111	797	312,873
55	312,873	1,108	799	312,074
56	312,074	1,105	802	311,272
57	311,272	1,102	805	310,467
58	310,467	1,100	808	309,659
59	309,659	1,097	811	308,848
60	308,848	1,094	814	308,034
61	308,034	1,091	816	307,218
62	307,218	1,088	819	306,398
63	306,398	1,085	822	305,576
64	305,576	1,082	825	304,751
65	304,751	1,079	828	303,923
66	303,923	1,076	831	303,092
67	303,092	1,073	834	302,258
68	302,258	1,070	837	301,421
69	301,421	1,068	840	300,581
70	300,581	1,065	843	299,738
71	299,738	1,062	846	298,892
72	298,892	1,059	849	298,043
73	298,043	1,056	852	297,191
74	297,191	1,053	855	296,336
75	296,336	1,050	858	295,478
76	295,478	1,046	861	294,617
77	294,617	1,043	864	293,753
78	293,753	1,040	867	292,886
79	292,886	1,037	870	292,016
80	292,016	1,034	873	291,143
81	291,143	1,031	876	290,267
82	290,267	1,028	879	289,387
83	289,387	1,025	883	288,505
84	288,505	1,022	886	287,619
85	287,619	1,019	889	286,730
86	286,730	1,016	892	285,838
87	285,838	1,012	895	284,943
88	284,943	1,009	898	284,045
89	284,045	1,006	901	283,143
90	283,143	1,003	905	282,239
91	282,239	1,000	908	281,331
92	281,331	996	911	280,420
93	280,420	993	914	279,506
94	279,506	990	918	278,588
95	278,588	987	921	277,667
96	277,667	983	924	276,743
97	276,743	980	927	275,816
98	275,816	977	931	274,885
99	274,885	974	934	273,951
100	273,951	970	937	273,014
101	273,014	967	941	272,074
102	272,074	964	944	271,130
103	271,130	960	947	270,183
104	270,183	957	951	269,232
105	269,232	954	954	268,278
106	268,278	950	957	267,321
107	267,321	947	961	266,360
108	266,360	943	964	265,396
109	265,396	940	968	264,428
110	264,428	937	971	263,458
111	263,458	933	974	262,483
112	262,483	930	978	261,505
113	261,505	926	981	260,524
114	260,524	923	985	259,539
115	259,539	919	988	258,551
116	258,551	916	992	257,559
117	257,559	912	995	256,564
118	256,564	909	999	255,565
119	255,565	905	1,002	254,563
120	254,563	902	1,006	253,557
121	253,557	898	1,009	252,548
122	252,548	894	1,013	251,535
123	251,535	891	1,017	250,518
124	250,518	887	1,020	249,498
125	249,498	884	1,024	248,474
126	248,474	880	1,027	247,446
127	247,446	876	1,031	246,415
128	246,415	873	1,035	245,381
129	245,381	869	1,038	244,342
130	244,342	865	1,042	243,300
131	243,300	862	1,046	242,254
132	242,254	858	1,049	241,205
133	241,205	854	1,053	240,152
134	240,152	851	1,057	239,095
135	239,095	847	1,061	238,034
136	238,034	843	1,064	236,970
137	236,970	839	1,068	235,902
138	235,902	835	1,072	234,830
139	234,830	832	1,076	233,754
140	233,754	828	1,080	232,674
141	232,674	824	1,083	231,591
142	231,591	820	1,087	230,504
143	230,504	816	1,091	229,413
144	229,413	813	1,095	228,318
145	228,318	809	1,099	227,219
146	227,219	805	1,103	226,116
147	226,116	801	1,107	225,009
148	225,009	797	1,111	223,899
149	223,899	793	1,114	222,784
150	222,784	789	1,118	221,666
151	221,666	785	1,122	220,544
152	220,544	781	1,126	219,417
153	219,417	777	1,130	218,287
154	218,287	773	1,134	217,152
155	217,152	769	1,138	216,014
156	216,014	765	1,142	214,872
157	214,872	761	1,146	213,725
158	213,725	757	1,151	212,575
159	212,575	753	1,155	211,420
160	211,420	749	1,159	210,261
161	210,261	745	1,163	209,099
162	209,099	741	1,167	207,932
163	207,932	736	1,171	206,761
164	206,761	732	1,175	205,586
165	205,586	728	1,179	204,406
166	204,406	724	1,184	203,223
167	203,223	720	1,188	202,035
168	202,035	716	1,192	200,843
169	200,843	711	1,196	199,647
170	199,647	707	1,200	198,447
171	198,447	703	1,205	197,242
172	197,242	699	1,209	196,033
173	196,033	694	1,213	194,820
174	194,820	690	1,217	193,602
175	193,602	686	1,222	192,381
176	192,381	681	1,226	191,155
177	191,155	677	1,230	189,924
178	189,924	673	1,235	188,689
179	188,689	668	1,239	187,450
180	187,450	664	1,244	186,207
181	186,207	659	1,248	184,959
182	184,959	655	1,252	183,706
183	183,706	651	1,257	182,449
184	182,449	646	1,261	181,188
185	181,188	642	1,266	179,922
186	179,922	637	1,270	178,652
187	178,652	633	1,275	177,377
188	177,377	628	1,279	176,098
189	176,098	624	1,284	174,814
190	174,814	619	1,288	173,526
191	173,526	615	1,293	172,233
192	172,233	610	1,297	170,936
193	170,936	605	1,302	169,634
194	169,634	601	1,307	168,327
195	168,327	596	1,311	167,016
196	167,016	592	1,316	165,700
197	165,700	587	1,321	164,379
198	164,379	582	1,325	163,054
199	163,054	577	1,330	161,724
200	161,724	573	1,335	160,389
201	160,389	568	1,339	159,050
202	159,050	563	1,344	157,706
203	157,706	559	1,349	156,357
204	156,357	554	1,354	155,003
205	155,003	549	1,358	153,645
206	153,645	544	1,363	152,281
207	152,281	539	1,368	150,913
208	150,913	534	1,373	149,540
209	149,540	530	1,378	148,162
210	148,162	525	1,383	146,780
211	146,780	520	1,388	145,392
212	145,392	515	1,393	144,000
213	144,000	510	1,397	142,602
214	142,602	505	1,402	141,200
215	141,200	500	1,407	139,792
216	139,792	495	1,412	138,380
217	138,380	490	1,417	136,963
218	136,963	485	1,422	135,540
219	135,540	480	1,427	134,113
220	134,113	475	1,432	132,680
221	132,680	470	1,438	131,243
222	131,243	465	1,443	129,800
223	129,800	460	1,448	128,352
224	128,352	455	1,453	126,900
225	126,900	449	1,458	125,441
226	125,441	444	1,463	123,978
227	123,978	439	1,468	122,510
228	122,510	434	1,474	121,036
229	121,036	429	1,479	119,558
230	119,558	423	1,484	118,074
231	118,074	418	1,489	116,584
232	116,584	413	1,495	115,090
233	115,090	408	1,500	113,590
234	113,590	402	1,505	112,085
235	112,085	397	1,510	110,574
236	110,574	392	1,516	109,058
237	109,058	386	1,521	107,537
238	107,537	381	1,527	106,011
239	106,011	375	1,532	104,479
240	104,479	370	1,537	102,941
241	102,941	365	1,543	101,398
242	101,398	359	1,548	99,850
243	99,850	354	1,554	98,296
244	98,296	348	1,559	96,737
245	96,737	343	1,565	95,172
246	95,172	337	1,570	93,602
247	93,602	332	1,576	92,026
248	92,026	326	1,582	90,444
249	90,444	320	1,587	88,857
250	88,857	315	1,593	87,264
251	87,264	309	1,598	85,666
252	85,666	303	1,604	84,062
253	84,062	298	1,610	82,452
254	82,452	292	1,615	80,837
255	80,837	286	1,621	79,215
256	79,215	281	1,627	77,589
257	77,589	275	1,633	75,956
258	75,956	269	1,638	74,317
259	74,317	263	1,644	72,673
260	72,673	257	1,650	71,023
261	71,023	252	1,656	69,367
262	69,367	246	1,662	67,705
263	67,705	240	1,668	66,038
264	66,038	234	1,674	64,364
265	64,364	228	1,679	62,685
266	62,685	222	1,685	60,999
267	60,999	216	1,691	59,308
268	59,308	210	1,697	57,610
269	57,610	204	1,703	55,907
270	55,907	198	1,709	54,198
271	54,198	192	1,716	52,482
272	52,482	186	1,722	50,760
273	50,760	180	1,728	49,033
274	49,033	174	1,734	47,299
275	47,299	168	1,740	45,559
276	45,559	161	1,746	43,813
277	43,813	155	1,752	42,061
278	42,061	149	1,758	40,302
279	40,302	143	1,765	38,537
280	38,537	136	1,771	36,767
281	36,767	130	1,777	34,989
282	34,989	124	1,784	33,206
283	33,206	118	1,790	31,416
284	31,416	111	1,796	29,620
285	29,620	105	1,803	27,817
286	27,817	99	1,809	26,008
287	26,008	92	1,815	24,193
288	24,193	86	1,822	22,371
289	22,371	79	1,828	20,543
290	20,543	73	1,835	18,708
291	18,708	66	1,841	16,867
292	16,867	60	1,848	15,019
293	15,019	53	1,854	13,165
294	13,165	47	1,861	11,304
295	11,304	40	1,867	9,437
296	9,437	33	1,874	7,563
297	7,563	27	1,881	5,682
298	5,682	20	1,887	3,795
299	3,795	13	1,894	1,901
300	1,901	7	1,901	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.