REIN Investment · Lumina Vista

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 674,500

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 674,500

Monthly repayment

AED 3,654

Total paid over 25 years

AED 1,096,207

of which interest AED 421,707

Total upfront cash

AED 769,241 – AED 772,241

DepositAED 674,500
DLD transfer fee (4% + admin)AED 54,540
Mortgage registration (0.25% + admin)AED 1,976
Bank arrangement feeAED 6,745
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 26,980

Plus life and property insurance, estimated AED 3,373/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 40%AED 539,600
Within 3 years PH · 60%AED 809,400

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 640,775 — you bring AED 33,725 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	674,500	2,389	1,265	673,235
2	673,235	2,384	1,270	671,965
3	671,965	2,380	1,274	670,691
4	670,691	2,375	1,279	669,412
5	669,412	2,371	1,283	668,129
6	668,129	2,366	1,288	666,841
7	666,841	2,362	1,292	665,549
8	665,549	2,357	1,297	664,252
9	664,252	2,353	1,301	662,951
10	662,951	2,348	1,306	661,645
11	661,645	2,343	1,311	660,334
12	660,334	2,339	1,315	659,019
13	659,019	2,334	1,320	657,699
14	657,699	2,329	1,325	656,374
15	656,374	2,325	1,329	655,045
16	655,045	2,320	1,334	653,711
17	653,711	2,315	1,339	652,372
18	652,372	2,310	1,344	651,028
19	651,028	2,306	1,348	649,680
20	649,680	2,301	1,353	648,327
21	648,327	2,296	1,358	646,969
22	646,969	2,291	1,363	645,606
23	645,606	2,287	1,368	644,239
24	644,239	2,282	1,372	642,867
25	642,867	2,277	1,377	641,489
26	641,489	2,272	1,382	640,107
27	640,107	2,267	1,387	638,720
28	638,720	2,262	1,392	637,328
29	637,328	2,257	1,397	635,932
30	635,932	2,252	1,402	634,530
31	634,530	2,247	1,407	633,123
32	633,123	2,242	1,412	631,711
33	631,711	2,237	1,417	630,295
34	630,295	2,232	1,422	628,873
35	628,873	2,227	1,427	627,446
36	627,446	2,222	1,432	626,014
37	626,014	2,217	1,437	624,577
38	624,577	2,212	1,442	623,135
39	623,135	2,207	1,447	621,688
40	621,688	2,202	1,452	620,236
41	620,236	2,197	1,457	618,779
42	618,779	2,192	1,463	617,316
43	617,316	2,186	1,468	615,849
44	615,849	2,181	1,473	614,376
45	614,376	2,176	1,478	612,898
46	612,898	2,171	1,483	611,414
47	611,414	2,165	1,489	609,926
48	609,926	2,160	1,494	608,432
49	608,432	2,155	1,499	606,933
50	606,933	2,150	1,504	605,428
51	605,428	2,144	1,510	603,918
52	603,918	2,139	1,515	602,403
53	602,403	2,134	1,521	600,883
54	600,883	2,128	1,526	599,357
55	599,357	2,123	1,531	597,825
56	597,825	2,117	1,537	596,289
57	596,289	2,112	1,542	594,747
58	594,747	2,106	1,548	593,199
59	593,199	2,101	1,553	591,646
60	591,646	2,095	1,559	590,087
61	590,087	2,090	1,564	588,523
62	588,523	2,084	1,570	586,953
63	586,953	2,079	1,575	585,378
64	585,378	2,073	1,581	583,797
65	583,797	2,068	1,586	582,211
66	582,211	2,062	1,592	580,619
67	580,619	2,056	1,598	579,021
68	579,021	2,051	1,603	577,418
69	577,418	2,045	1,609	575,809
70	575,809	2,039	1,615	574,194
71	574,194	2,034	1,620	572,574
72	572,574	2,028	1,626	570,948
73	570,948	2,022	1,632	569,316
74	569,316	2,016	1,638	567,678
75	567,678	2,011	1,643	566,035
76	566,035	2,005	1,649	564,385
77	564,385	1,999	1,655	562,730
78	562,730	1,993	1,661	561,069
79	561,069	1,987	1,667	559,402
80	559,402	1,981	1,673	557,729
81	557,729	1,975	1,679	556,051
82	556,051	1,969	1,685	554,366
83	554,366	1,963	1,691	552,675
84	552,675	1,957	1,697	550,979
85	550,979	1,951	1,703	549,276
86	549,276	1,945	1,709	547,567
87	547,567	1,939	1,715	545,853
88	545,853	1,933	1,721	544,132
89	544,132	1,927	1,727	542,405
90	542,405	1,921	1,733	540,672
91	540,672	1,915	1,739	538,933
92	538,933	1,909	1,745	537,188
93	537,188	1,903	1,751	535,436
94	535,436	1,896	1,758	533,678
95	533,678	1,890	1,764	531,914
96	531,914	1,884	1,770	530,144
97	530,144	1,878	1,776	528,368
98	528,368	1,871	1,783	526,585
99	526,585	1,865	1,789	524,796
100	524,796	1,859	1,795	523,001
101	523,001	1,852	1,802	521,199
102	521,199	1,846	1,808	519,391
103	519,391	1,840	1,815	517,576
104	517,576	1,833	1,821	515,755
105	515,755	1,827	1,827	513,928
106	513,928	1,820	1,834	512,094
107	512,094	1,814	1,840	510,254
108	510,254	1,807	1,847	508,407
109	508,407	1,801	1,853	506,554
110	506,554	1,794	1,860	504,694
111	504,694	1,787	1,867	502,827
112	502,827	1,781	1,873	500,954
113	500,954	1,774	1,880	499,074
114	499,074	1,768	1,886	497,188
115	497,188	1,761	1,893	495,294
116	495,294	1,754	1,900	493,394
117	493,394	1,747	1,907	491,488
118	491,488	1,741	1,913	489,575
119	489,575	1,734	1,920	487,654
120	487,654	1,727	1,927	485,728
121	485,728	1,720	1,934	483,794
122	483,794	1,713	1,941	481,853
123	481,853	1,707	1,947	479,906
124	479,906	1,700	1,954	477,951
125	477,951	1,693	1,961	475,990
126	475,990	1,686	1,968	474,022
127	474,022	1,679	1,975	472,047
128	472,047	1,672	1,982	470,065
129	470,065	1,665	1,989	468,075
130	468,075	1,658	1,996	466,079
131	466,079	1,651	2,003	464,076
132	464,076	1,644	2,010	462,065
133	462,065	1,636	2,018	460,048
134	460,048	1,629	2,025	458,023
135	458,023	1,622	2,032	455,991
136	455,991	1,615	2,039	453,952
137	453,952	1,608	2,046	451,906
138	451,906	1,600	2,054	449,852
139	449,852	1,593	2,061	447,792
140	447,792	1,586	2,068	445,723
141	445,723	1,579	2,075	443,648
142	443,648	1,571	2,083	441,565
143	441,565	1,564	2,090	439,475
144	439,475	1,556	2,098	437,378
145	437,378	1,549	2,105	435,273
146	435,273	1,542	2,112	433,160
147	433,160	1,534	2,120	431,040
148	431,040	1,527	2,127	428,913
149	428,913	1,519	2,135	426,778
150	426,778	1,512	2,143	424,635
151	424,635	1,504	2,150	422,485
152	422,485	1,496	2,158	420,328
153	420,328	1,489	2,165	418,162
154	418,162	1,481	2,173	415,989
155	415,989	1,473	2,181	413,808
156	413,808	1,466	2,188	411,620
157	411,620	1,458	2,196	409,424
158	409,424	1,450	2,204	407,220
159	407,220	1,442	2,212	405,008
160	405,008	1,434	2,220	402,788
161	402,788	1,427	2,227	400,561
162	400,561	1,419	2,235	398,326
163	398,326	1,411	2,243	396,082
164	396,082	1,403	2,251	393,831
165	393,831	1,395	2,259	391,572
166	391,572	1,387	2,267	389,305
167	389,305	1,379	2,275	387,029
168	387,029	1,371	2,283	384,746
169	384,746	1,363	2,291	382,455
170	382,455	1,355	2,299	380,155
171	380,155	1,346	2,308	377,848
172	377,848	1,338	2,316	375,532
173	375,532	1,330	2,324	373,208
174	373,208	1,322	2,332	370,875
175	370,875	1,314	2,341	368,535
176	368,535	1,305	2,349	366,186
177	366,186	1,297	2,357	363,829
178	363,829	1,289	2,365	361,464
179	361,464	1,280	2,374	359,090
180	359,090	1,272	2,382	356,707
181	356,707	1,263	2,391	354,317
182	354,317	1,255	2,399	351,918
183	351,918	1,246	2,408	349,510
184	349,510	1,238	2,416	347,094
185	347,094	1,229	2,425	344,669
186	344,669	1,221	2,433	342,236
187	342,236	1,212	2,442	339,794
188	339,794	1,203	2,451	337,343
189	337,343	1,195	2,459	334,884
190	334,884	1,186	2,468	332,416
191	332,416	1,177	2,477	329,939
192	329,939	1,169	2,485	327,454
193	327,454	1,160	2,494	324,960
194	324,960	1,151	2,503	322,456
195	322,456	1,142	2,512	319,944
196	319,944	1,133	2,521	317,424
197	317,424	1,124	2,530	314,894
198	314,894	1,115	2,539	312,355
199	312,355	1,106	2,548	309,807
200	309,807	1,097	2,557	307,250
201	307,250	1,088	2,566	304,685
202	304,685	1,079	2,575	302,110
203	302,110	1,070	2,584	299,526
204	299,526	1,061	2,593	296,932
205	296,932	1,052	2,602	294,330
206	294,330	1,042	2,612	291,718
207	291,718	1,033	2,621	289,097
208	289,097	1,024	2,630	286,467
209	286,467	1,015	2,639	283,828
210	283,828	1,005	2,649	281,179
211	281,179	996	2,658	278,521
212	278,521	986	2,668	275,853
213	275,853	977	2,677	273,176
214	273,176	967	2,687	270,490
215	270,490	958	2,696	267,794
216	267,794	948	2,706	265,088
217	265,088	939	2,715	262,373
218	262,373	929	2,725	259,648
219	259,648	920	2,734	256,914
220	256,914	910	2,744	254,170
221	254,170	900	2,754	251,416
222	251,416	890	2,764	248,652
223	248,652	881	2,773	245,879
224	245,879	871	2,783	243,096
225	243,096	861	2,793	240,303
226	240,303	851	2,803	237,500
227	237,500	841	2,813	234,687
228	234,687	831	2,823	231,864
229	231,864	821	2,833	229,031
230	229,031	811	2,843	226,188
231	226,188	801	2,853	223,335
232	223,335	791	2,863	220,472
233	220,472	781	2,873	217,599
234	217,599	771	2,883	214,716
235	214,716	760	2,894	211,822
236	211,822	750	2,904	208,918
237	208,918	740	2,914	206,004
238	206,004	730	2,924	203,080
239	203,080	719	2,935	200,145
240	200,145	709	2,945	197,200
241	197,200	698	2,956	194,244
242	194,244	688	2,966	191,278
243	191,278	677	2,977	188,301
244	188,301	667	2,987	185,314
245	185,314	656	2,998	182,317
246	182,317	646	3,008	179,308
247	179,308	635	3,019	176,289
248	176,289	624	3,030	173,260
249	173,260	614	3,040	170,219
250	170,219	603	3,051	167,168
251	167,168	592	3,062	164,106
252	164,106	581	3,073	161,033
253	161,033	570	3,084	157,950
254	157,950	559	3,095	154,855
255	154,855	548	3,106	151,749
256	151,749	537	3,117	148,633
257	148,633	526	3,128	145,505
258	145,505	515	3,139	142,367
259	142,367	504	3,150	139,217
260	139,217	493	3,161	136,056
261	136,056	482	3,172	132,884
262	132,884	471	3,183	129,700
263	129,700	459	3,195	126,506
264	126,506	448	3,206	123,300
265	123,300	437	3,217	120,082
266	120,082	425	3,229	116,854
267	116,854	414	3,240	113,613
268	113,613	402	3,252	110,362
269	110,362	391	3,263	107,099
270	107,099	379	3,275	103,824
271	103,824	368	3,286	100,538
272	100,538	356	3,298	97,240
273	97,240	344	3,310	93,930
274	93,930	333	3,321	90,609
275	90,609	321	3,333	87,275
276	87,275	309	3,345	83,931
277	83,931	297	3,357	80,574
278	80,574	285	3,369	77,205
279	77,205	273	3,381	73,825
280	73,825	261	3,393	70,432
281	70,432	249	3,405	67,027
282	67,027	237	3,417	63,611
283	63,611	225	3,429	60,182
284	60,182	213	3,441	56,741
285	56,741	201	3,453	53,288
286	53,288	189	3,465	49,823
287	49,823	176	3,478	46,345
288	46,345	164	3,490	42,855
289	42,855	152	3,502	39,353
290	39,353	139	3,515	35,838
291	35,838	127	3,527	32,311
292	32,311	114	3,540	28,772
293	28,772	102	3,552	25,220
294	25,220	89	3,565	21,655
295	21,655	77	3,577	18,078
296	18,078	64	3,590	14,488
297	14,488	51	3,603	10,885
298	10,885	39	3,615	7,269
299	7,269	26	3,628	3,641
300	3,641	13	3,641	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.