REIN Investment · Maison Elysee

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 387,450

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 387,450

Monthly repayment

AED 2,099

Total paid over 25 years

AED 629,689

of which interest AED 242,239

Total upfront cash

AED 444,157 – AED 447,157

DepositAED 387,450
DLD transfer fee (4% + admin)AED 31,576
Mortgage registration (0.25% + admin)AED 1,259
Bank arrangement feeAED 3,875
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 15,498

Plus life and property insurance, estimated AED 1,937/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 154,980
During construction · 40%AED 309,960
Upon Handover · 5%AED 38,745
1% monthly for 35 months PH · 35%AED 271,215

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 368,078 — you bring AED 19,373 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	387,450	1,372	727	386,723
2	386,723	1,370	729	385,994
3	385,994	1,367	732	385,262
4	385,262	1,364	734	384,528
5	384,528	1,362	737	383,790
6	383,790	1,359	740	383,051
7	383,051	1,357	742	382,308
8	382,308	1,354	745	381,563
9	381,563	1,351	748	380,816
10	380,816	1,349	750	380,066
11	380,066	1,346	753	379,313
12	379,313	1,343	756	378,557
13	378,557	1,341	758	377,799
14	377,799	1,338	761	377,038
15	377,038	1,335	764	376,274
16	376,274	1,333	766	375,508
17	375,508	1,330	769	374,739
18	374,739	1,327	772	373,967
19	373,967	1,324	774	373,193
20	373,193	1,322	777	372,416
21	372,416	1,319	780	371,636
22	371,636	1,316	783	370,853
23	370,853	1,313	786	370,067
24	370,067	1,311	788	369,279
25	369,279	1,308	791	368,488
26	368,488	1,305	794	367,694
27	367,694	1,302	797	366,897
28	366,897	1,299	800	366,098
29	366,098	1,297	802	365,295
30	365,295	1,294	805	364,490
31	364,490	1,291	808	363,682
32	363,682	1,288	811	362,871
33	362,871	1,285	814	362,057
34	362,057	1,282	817	361,241
35	361,241	1,279	820	360,421
36	360,421	1,276	822	359,599
37	359,599	1,274	825	358,773
38	358,773	1,271	828	357,945
39	357,945	1,268	831	357,114
40	357,114	1,265	834	356,279
41	356,279	1,262	837	355,442
42	355,442	1,259	840	354,602
43	354,602	1,256	843	353,759
44	353,759	1,253	846	352,913
45	352,913	1,250	849	352,064
46	352,064	1,247	852	351,212
47	351,212	1,244	855	350,357
48	350,357	1,241	858	349,499
49	349,499	1,238	861	348,638
50	348,638	1,235	864	347,773
51	347,773	1,232	867	346,906
52	346,906	1,229	870	346,036
53	346,036	1,226	873	345,162
54	345,162	1,222	877	344,286
55	344,286	1,219	880	343,406
56	343,406	1,216	883	342,523
57	342,523	1,213	886	341,638
58	341,638	1,210	889	340,749
59	340,749	1,207	892	339,856
60	339,856	1,204	895	338,961
61	338,961	1,200	898	338,063
62	338,063	1,197	902	337,161
63	337,161	1,194	905	336,256
64	336,256	1,191	908	335,348
65	335,348	1,188	911	334,437
66	334,437	1,184	915	333,522
67	333,522	1,181	918	332,605
68	332,605	1,178	921	331,684
69	331,684	1,175	924	330,759
70	330,759	1,171	928	329,832
71	329,832	1,168	931	328,901
72	328,901	1,165	934	327,967
73	327,967	1,162	937	327,029
74	327,029	1,158	941	326,089
75	326,089	1,155	944	325,145
76	325,145	1,152	947	324,197
77	324,197	1,148	951	323,247
78	323,247	1,145	954	322,292
79	322,292	1,141	958	321,335
80	321,335	1,138	961	320,374
81	320,374	1,135	964	319,410
82	319,410	1,131	968	318,442
83	318,442	1,128	971	317,471
84	317,471	1,124	975	316,496
85	316,496	1,121	978	315,518
86	315,518	1,117	982	314,537
87	314,537	1,114	985	313,552
88	313,552	1,110	988	312,563
89	312,563	1,107	992	311,571
90	311,571	1,103	995	310,576
91	310,576	1,100	999	309,577
92	309,577	1,096	1,003	308,574
93	308,574	1,093	1,006	307,568
94	307,568	1,089	1,010	306,558
95	306,558	1,086	1,013	305,545
96	305,545	1,082	1,017	304,528
97	304,528	1,079	1,020	303,508
98	303,508	1,075	1,024	302,484
99	302,484	1,071	1,028	301,456
100	301,456	1,068	1,031	300,425
101	300,425	1,064	1,035	299,390
102	299,390	1,060	1,039	298,351
103	298,351	1,057	1,042	297,309
104	297,309	1,053	1,046	296,263
105	296,263	1,049	1,050	295,213
106	295,213	1,046	1,053	294,160
107	294,160	1,042	1,057	293,103
108	293,103	1,038	1,061	292,042
109	292,042	1,034	1,065	290,977
110	290,977	1,031	1,068	289,909
111	289,909	1,027	1,072	288,837
112	288,837	1,023	1,076	287,761
113	287,761	1,019	1,080	286,681
114	286,681	1,015	1,084	285,597
115	285,597	1,011	1,087	284,510
116	284,510	1,008	1,091	283,418
117	283,418	1,004	1,095	282,323
118	282,323	1,000	1,099	281,224
119	281,224	996	1,103	280,121
120	280,121	992	1,107	279,014
121	279,014	988	1,111	277,904
122	277,904	984	1,115	276,789
123	276,789	980	1,119	275,670
124	275,670	976	1,123	274,547
125	274,547	972	1,127	273,421
126	273,421	968	1,131	272,290
127	272,290	964	1,135	271,156
128	271,156	960	1,139	270,017
129	270,017	956	1,143	268,874
130	268,874	952	1,147	267,728
131	267,728	948	1,151	266,577
132	266,577	944	1,155	265,422
133	265,422	940	1,159	264,263
134	264,263	936	1,163	263,100
135	263,100	932	1,167	261,933
136	261,933	928	1,171	260,762
137	260,762	924	1,175	259,586
138	259,586	919	1,180	258,407
139	258,407	915	1,184	257,223
140	257,223	911	1,188	256,035
141	256,035	907	1,192	254,843
142	254,843	903	1,196	253,646
143	253,646	898	1,201	252,446
144	252,446	894	1,205	251,241
145	251,241	890	1,209	250,032
146	250,032	886	1,213	248,818
147	248,818	881	1,218	247,601
148	247,601	877	1,222	246,378
149	246,378	873	1,226	245,152
150	245,152	868	1,231	243,921
151	243,921	864	1,235	242,686
152	242,686	860	1,239	241,447
153	241,447	855	1,244	240,203
154	240,203	851	1,248	238,955
155	238,955	846	1,253	237,702
156	237,702	842	1,257	236,445
157	236,445	837	1,262	235,183
158	235,183	833	1,266	233,917
159	233,917	828	1,271	232,647
160	232,647	824	1,275	231,372
161	231,372	819	1,280	230,092
162	230,092	815	1,284	228,808
163	228,808	810	1,289	227,520
164	227,520	806	1,293	226,227
165	226,227	801	1,298	224,929
166	224,929	797	1,302	223,626
167	223,626	792	1,307	222,320
168	222,320	787	1,312	221,008
169	221,008	783	1,316	219,692
170	219,692	778	1,321	218,371
171	218,371	773	1,326	217,045
172	217,045	769	1,330	215,715
173	215,715	764	1,335	214,380
174	214,380	759	1,340	213,040
175	213,040	755	1,344	211,696
176	211,696	750	1,349	210,347
177	210,347	745	1,354	208,993
178	208,993	740	1,359	207,634
179	207,634	735	1,364	206,270
180	206,270	731	1,368	204,902
181	204,902	726	1,373	203,529
182	203,529	721	1,378	202,150
183	202,150	716	1,383	200,767
184	200,767	711	1,388	199,380
185	199,380	706	1,393	197,987
186	197,987	701	1,398	196,589
187	196,589	696	1,403	195,186
188	195,186	691	1,408	193,779
189	193,779	686	1,413	192,366
190	192,366	681	1,418	190,948
191	190,948	676	1,423	189,526
192	189,526	671	1,428	188,098
193	188,098	666	1,433	186,665
194	186,665	661	1,438	185,227
195	185,227	656	1,443	183,784
196	183,784	651	1,448	182,336
197	182,336	646	1,453	180,883
198	180,883	641	1,458	179,425
199	179,425	635	1,464	177,961
200	177,961	630	1,469	176,492
201	176,492	625	1,474	175,019
202	175,019	620	1,479	173,539
203	173,539	615	1,484	172,055
204	172,055	609	1,490	170,565
205	170,565	604	1,495	169,071
206	169,071	599	1,500	167,570
207	167,570	593	1,505	166,065
208	166,065	588	1,511	164,554
209	164,554	583	1,516	163,038
210	163,038	577	1,522	161,516
211	161,516	572	1,527	159,990
212	159,990	567	1,532	158,457
213	158,457	561	1,538	156,919
214	156,919	556	1,543	155,376
215	155,376	550	1,549	153,828
216	153,828	545	1,554	152,273
217	152,273	539	1,560	150,714
218	150,714	534	1,565	149,149
219	149,149	528	1,571	147,578
220	147,578	523	1,576	146,002
221	146,002	517	1,582	144,420
222	144,420	511	1,587	142,832
223	142,832	506	1,593	141,239
224	141,239	500	1,599	139,640
225	139,640	495	1,604	138,036
226	138,036	489	1,610	136,426
227	136,426	483	1,616	134,810
228	134,810	477	1,622	133,189
229	133,189	472	1,627	131,561
230	131,561	466	1,633	129,928
231	129,928	460	1,639	128,289
232	128,289	454	1,645	126,645
233	126,645	449	1,650	124,994
234	124,994	443	1,656	123,338
235	123,338	437	1,662	121,676
236	121,676	431	1,668	120,008
237	120,008	425	1,674	118,334
238	118,334	419	1,680	116,654
239	116,654	413	1,686	114,968
240	114,968	407	1,692	113,277
241	113,277	401	1,698	111,579
242	111,579	395	1,704	109,875
243	109,875	389	1,710	108,165
244	108,165	383	1,716	106,449
245	106,449	377	1,722	104,727
246	104,727	371	1,728	102,999
247	102,999	365	1,734	101,265
248	101,265	359	1,740	99,525
249	99,525	352	1,746	97,778
250	97,778	346	1,753	96,026
251	96,026	340	1,759	94,267
252	94,267	334	1,765	92,502
253	92,502	328	1,771	90,730
254	90,730	321	1,778	88,953
255	88,953	315	1,784	87,169
256	87,169	309	1,790	85,379
257	85,379	302	1,797	83,582
258	83,582	296	1,803	81,779
259	81,779	290	1,809	79,970
260	79,970	283	1,816	78,154
261	78,154	277	1,822	76,332
262	76,332	270	1,829	74,503
263	74,503	264	1,835	72,668
264	72,668	257	1,842	70,826
265	70,826	251	1,848	68,978
266	68,978	244	1,855	67,124
267	67,124	238	1,861	65,262
268	65,262	231	1,868	63,395
269	63,395	225	1,874	61,520
270	61,520	218	1,881	59,639
271	59,639	211	1,888	57,751
272	57,751	205	1,894	55,857
273	55,857	198	1,901	53,956
274	53,956	191	1,908	52,048
275	52,048	184	1,915	50,133
276	50,133	178	1,921	48,212
277	48,212	171	1,928	46,284
278	46,284	164	1,935	44,349
279	44,349	157	1,942	42,407
280	42,407	150	1,949	40,458
281	40,458	143	1,956	38,502
282	38,502	136	1,963	36,540
283	36,540	129	1,970	34,570
284	34,570	122	1,977	32,594
285	32,594	115	1,984	30,610
286	30,610	108	1,991	28,619
287	28,619	101	1,998	26,622
288	26,622	94	2,005	24,617
289	24,617	87	2,012	22,605
290	22,605	80	2,019	20,587
291	20,587	73	2,026	18,560
292	18,560	66	2,033	16,527
293	16,527	59	2,040	14,487
294	14,487	51	2,048	12,439
295	12,439	44	2,055	10,384
296	10,384	37	2,062	8,322
297	8,322	29	2,069	6,253
298	6,253	22	2,077	4,176
299	4,176	15	2,084	2,092
300	2,092	7	2,092	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.