REIN Investment · Taj Wellington Mews

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 1,661,152

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 1,661,152

Monthly repayment

AED 8,999

Total paid over 25 years

AED 2,699,727

of which interest AED 1,038,576

Total upfront cash

AED 1,886,624 – AED 1,889,624

DepositAED 1,661,152
DLD transfer fee (4% + admin)AED 133,472
Mortgage registration (0.25% + admin)AED 4,443
Bank arrangement feeAED 16,612
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 66,446

Plus life and property insurance, estimated AED 8,306/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 20%AED 664,461
During construction (5% every 3 months) · 30%AED 996,691
Upon Handover · 50%AED 1,661,152

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 1,578,094 — you bring AED 83,058 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	1,661,152	5,883	3,116	1,658,036
2	1,658,036	5,872	3,127	1,654,909
3	1,654,909	5,861	3,138	1,651,771
4	1,651,771	5,850	3,149	1,648,622
5	1,648,622	5,839	3,160	1,645,462
6	1,645,462	5,828	3,171	1,642,290
7	1,642,290	5,816	3,183	1,639,107
8	1,639,107	5,805	3,194	1,635,914
9	1,635,914	5,794	3,205	1,632,708
10	1,632,708	5,783	3,217	1,629,492
11	1,629,492	5,771	3,228	1,626,264
12	1,626,264	5,760	3,239	1,623,024
13	1,623,024	5,748	3,251	1,619,773
14	1,619,773	5,737	3,262	1,616,511
15	1,616,511	5,725	3,274	1,613,237
16	1,613,237	5,714	3,286	1,609,952
17	1,609,952	5,702	3,297	1,606,654
18	1,606,654	5,690	3,309	1,603,346
19	1,603,346	5,679	3,321	1,600,025
20	1,600,025	5,667	3,332	1,596,693
21	1,596,693	5,655	3,344	1,593,349
22	1,593,349	5,643	3,356	1,589,993
23	1,589,993	5,631	3,368	1,586,625
24	1,586,625	5,619	3,380	1,583,245
25	1,583,245	5,607	3,392	1,579,853
26	1,579,853	5,595	3,404	1,576,449
27	1,576,449	5,583	3,416	1,573,033
28	1,573,033	5,571	3,428	1,569,606
29	1,569,606	5,559	3,440	1,566,165
30	1,566,165	5,547	3,452	1,562,713
31	1,562,713	5,535	3,464	1,559,249
32	1,559,249	5,522	3,477	1,555,772
33	1,555,772	5,510	3,489	1,552,283
34	1,552,283	5,498	3,501	1,548,782
35	1,548,782	5,485	3,514	1,545,268
36	1,545,268	5,473	3,526	1,541,741
37	1,541,741	5,460	3,539	1,538,203
38	1,538,203	5,448	3,551	1,534,651
39	1,534,651	5,435	3,564	1,531,088
40	1,531,088	5,423	3,576	1,527,511
41	1,527,511	5,410	3,589	1,523,922
42	1,523,922	5,397	3,602	1,520,320
43	1,520,320	5,384	3,615	1,516,705
44	1,516,705	5,372	3,627	1,513,078
45	1,513,078	5,359	3,640	1,509,438
46	1,509,438	5,346	3,653	1,505,785
47	1,505,785	5,333	3,666	1,502,118
48	1,502,118	5,320	3,679	1,498,439
49	1,498,439	5,307	3,692	1,494,747
50	1,494,747	5,294	3,705	1,491,042
51	1,491,042	5,281	3,718	1,487,324
52	1,487,324	5,268	3,731	1,483,592
53	1,483,592	5,254	3,745	1,479,848
54	1,479,848	5,241	3,758	1,476,090
55	1,476,090	5,228	3,771	1,472,318
56	1,472,318	5,214	3,785	1,468,534
57	1,468,534	5,201	3,798	1,464,736
58	1,464,736	5,188	3,811	1,460,924
59	1,460,924	5,174	3,825	1,457,099
60	1,457,099	5,161	3,839	1,453,261
61	1,453,261	5,147	3,852	1,449,408
62	1,449,408	5,133	3,866	1,445,543
63	1,445,543	5,120	3,879	1,441,663
64	1,441,663	5,106	3,893	1,437,770
65	1,437,770	5,092	3,907	1,433,863
66	1,433,863	5,078	3,921	1,429,942
67	1,429,942	5,064	3,935	1,426,008
68	1,426,008	5,050	3,949	1,422,059
69	1,422,059	5,036	3,963	1,418,096
70	1,418,096	5,022	3,977	1,414,120
71	1,414,120	5,008	3,991	1,410,129
72	1,410,129	4,994	4,005	1,406,124
73	1,406,124	4,980	4,019	1,402,105
74	1,402,105	4,966	4,033	1,398,072
75	1,398,072	4,952	4,048	1,394,024
76	1,394,024	4,937	4,062	1,389,962
77	1,389,962	4,923	4,076	1,385,886
78	1,385,886	4,908	4,091	1,381,795
79	1,381,795	4,894	4,105	1,377,690
80	1,377,690	4,879	4,120	1,373,570
81	1,373,570	4,865	4,134	1,369,436
82	1,369,436	4,850	4,149	1,365,287
83	1,365,287	4,835	4,164	1,361,123
84	1,361,123	4,821	4,178	1,356,944
85	1,356,944	4,806	4,193	1,352,751
86	1,352,751	4,791	4,208	1,348,543
87	1,348,543	4,776	4,223	1,344,320
88	1,344,320	4,761	4,238	1,340,082
89	1,340,082	4,746	4,253	1,335,829
90	1,335,829	4,731	4,268	1,331,561
91	1,331,561	4,716	4,283	1,327,278
92	1,327,278	4,701	4,298	1,322,980
93	1,322,980	4,686	4,314	1,318,666
94	1,318,666	4,670	4,329	1,314,337
95	1,314,337	4,655	4,344	1,309,993
96	1,309,993	4,640	4,360	1,305,634
97	1,305,634	4,624	4,375	1,301,259
98	1,301,259	4,609	4,390	1,296,868
99	1,296,868	4,593	4,406	1,292,462
100	1,292,462	4,577	4,422	1,288,041
101	1,288,041	4,562	4,437	1,283,603
102	1,283,603	4,546	4,453	1,279,150
103	1,279,150	4,530	4,469	1,274,682
104	1,274,682	4,514	4,485	1,270,197
105	1,270,197	4,499	4,500	1,265,697
106	1,265,697	4,483	4,516	1,261,180
107	1,261,180	4,467	4,532	1,256,648
108	1,256,648	4,451	4,548	1,252,099
109	1,252,099	4,435	4,565	1,247,535
110	1,247,535	4,418	4,581	1,242,954
111	1,242,954	4,402	4,597	1,238,357
112	1,238,357	4,386	4,613	1,233,744
113	1,233,744	4,370	4,630	1,229,114
114	1,229,114	4,353	4,646	1,224,468
115	1,224,468	4,337	4,662	1,219,806
116	1,219,806	4,320	4,679	1,215,127
117	1,215,127	4,304	4,696	1,210,431
118	1,210,431	4,287	4,712	1,205,719
119	1,205,719	4,270	4,729	1,200,990
120	1,200,990	4,254	4,746	1,196,245
121	1,196,245	4,237	4,762	1,191,482
122	1,191,482	4,220	4,779	1,186,703
123	1,186,703	4,203	4,796	1,181,907
124	1,181,907	4,186	4,813	1,177,094
125	1,177,094	4,169	4,830	1,172,263
126	1,172,263	4,152	4,847	1,167,416
127	1,167,416	4,135	4,864	1,162,552
128	1,162,552	4,117	4,882	1,157,670
129	1,157,670	4,100	4,899	1,152,771
130	1,152,771	4,083	4,916	1,147,855
131	1,147,855	4,065	4,934	1,142,921
132	1,142,921	4,048	4,951	1,137,970
133	1,137,970	4,030	4,969	1,133,001
134	1,133,001	4,013	4,986	1,128,014
135	1,128,014	3,995	5,004	1,123,010
136	1,123,010	3,977	5,022	1,117,989
137	1,117,989	3,960	5,040	1,112,949
138	1,112,949	3,942	5,057	1,107,892
139	1,107,892	3,924	5,075	1,102,816
140	1,102,816	3,906	5,093	1,097,723
141	1,097,723	3,888	5,111	1,092,612
142	1,092,612	3,870	5,129	1,087,482
143	1,087,482	3,851	5,148	1,082,335
144	1,082,335	3,833	5,166	1,077,169
145	1,077,169	3,815	5,184	1,071,985
146	1,071,985	3,797	5,202	1,066,782
147	1,066,782	3,778	5,221	1,061,561
148	1,061,561	3,760	5,239	1,056,322
149	1,056,322	3,741	5,258	1,051,064
150	1,051,064	3,723	5,277	1,045,787
151	1,045,787	3,704	5,295	1,040,492
152	1,040,492	3,685	5,314	1,035,178
153	1,035,178	3,666	5,333	1,029,845
154	1,029,845	3,647	5,352	1,024,494
155	1,024,494	3,628	5,371	1,019,123
156	1,019,123	3,609	5,390	1,013,733
157	1,013,733	3,590	5,409	1,008,324
158	1,008,324	3,571	5,428	1,002,897
159	1,002,897	3,552	5,447	997,449
160	997,449	3,533	5,466	991,983
161	991,983	3,513	5,486	986,497
162	986,497	3,494	5,505	980,992
163	980,992	3,474	5,525	975,467
164	975,467	3,455	5,544	969,923
165	969,923	3,435	5,564	964,359
166	964,359	3,415	5,584	958,775
167	958,775	3,396	5,603	953,172
168	953,172	3,376	5,623	947,549
169	947,549	3,356	5,643	941,905
170	941,905	3,336	5,663	936,242
171	936,242	3,316	5,683	930,559
172	930,559	3,296	5,703	924,856
173	924,856	3,276	5,724	919,132
174	919,132	3,255	5,744	913,388
175	913,388	3,235	5,764	907,624
176	907,624	3,215	5,785	901,839
177	901,839	3,194	5,805	896,034
178	896,034	3,173	5,826	890,209
179	890,209	3,153	5,846	884,362
180	884,362	3,132	5,867	878,495
181	878,495	3,111	5,888	872,608
182	872,608	3,090	5,909	866,699
183	866,699	3,070	5,930	860,770
184	860,770	3,049	5,951	854,819
185	854,819	3,027	5,972	848,847
186	848,847	3,006	5,993	842,855
187	842,855	2,985	6,014	836,841
188	836,841	2,964	6,035	830,805
189	830,805	2,942	6,057	824,749
190	824,749	2,921	6,078	818,671
191	818,671	2,899	6,100	812,571
192	812,571	2,878	6,121	806,450
193	806,450	2,856	6,143	800,307
194	800,307	2,834	6,165	794,142
195	794,142	2,813	6,187	787,956
196	787,956	2,791	6,208	781,747
197	781,747	2,769	6,230	775,517
198	775,517	2,747	6,252	769,264
199	769,264	2,724	6,275	762,990
200	762,990	2,702	6,297	756,693
201	756,693	2,680	6,319	750,374
202	750,374	2,658	6,342	744,032
203	744,032	2,635	6,364	737,668
204	737,668	2,613	6,387	731,282
205	731,282	2,590	6,409	724,873
206	724,873	2,567	6,432	718,441
207	718,441	2,544	6,455	711,986
208	711,986	2,522	6,477	705,509
209	705,509	2,499	6,500	699,008
210	699,008	2,476	6,523	692,485
211	692,485	2,453	6,547	685,938
212	685,938	2,429	6,570	679,369
213	679,369	2,406	6,593	672,776
214	672,776	2,383	6,616	666,159
215	666,159	2,359	6,640	659,520
216	659,520	2,336	6,663	652,856
217	652,856	2,312	6,687	646,169
218	646,169	2,289	6,711	639,459
219	639,459	2,265	6,734	632,724
220	632,724	2,241	6,758	625,966
221	625,966	2,217	6,782	619,184
222	619,184	2,193	6,806	612,378
223	612,378	2,169	6,830	605,548
224	605,548	2,145	6,854	598,693
225	598,693	2,120	6,879	591,815
226	591,815	2,096	6,903	584,911
227	584,911	2,072	6,928	577,984
228	577,984	2,047	6,952	571,032
229	571,032	2,022	6,977	564,055
230	564,055	1,998	7,001	557,054
231	557,054	1,973	7,026	550,028
232	550,028	1,948	7,051	542,977
233	542,977	1,923	7,076	535,900
234	535,900	1,898	7,101	528,799
235	528,799	1,873	7,126	521,673
236	521,673	1,848	7,151	514,522
237	514,522	1,822	7,177	507,345
238	507,345	1,797	7,202	500,143
239	500,143	1,771	7,228	492,915
240	492,915	1,746	7,253	485,661
241	485,661	1,720	7,279	478,382
242	478,382	1,694	7,305	471,078
243	471,078	1,668	7,331	463,747
244	463,747	1,642	7,357	456,390
245	456,390	1,616	7,383	449,008
246	449,008	1,590	7,409	441,599
247	441,599	1,564	7,435	434,164
248	434,164	1,538	7,461	426,702
249	426,702	1,511	7,488	419,214
250	419,214	1,485	7,514	411,700
251	411,700	1,458	7,541	404,159
252	404,159	1,431	7,568	396,591
253	396,591	1,405	7,594	388,997
254	388,997	1,378	7,621	381,375
255	381,375	1,351	7,648	373,727
256	373,727	1,324	7,675	366,051
257	366,051	1,296	7,703	358,349
258	358,349	1,269	7,730	350,619
259	350,619	1,242	7,757	342,862
260	342,862	1,214	7,785	335,077
261	335,077	1,187	7,812	327,264
262	327,264	1,159	7,840	319,424
263	319,424	1,131	7,868	311,557
264	311,557	1,103	7,896	303,661
265	303,661	1,075	7,924	295,737
266	295,737	1,047	7,952	287,786
267	287,786	1,019	7,980	279,806
268	279,806	991	8,008	271,798
269	271,798	963	8,036	263,761
270	263,761	934	8,065	255,696
271	255,696	906	8,093	247,603
272	247,603	877	8,122	239,481
273	239,481	848	8,151	231,330
274	231,330	819	8,180	223,150
275	223,150	790	8,209	214,941
276	214,941	761	8,238	206,703
277	206,703	732	8,267	198,436
278	198,436	703	8,296	190,140
279	190,140	673	8,326	181,814
280	181,814	644	8,355	173,459
281	173,459	614	8,385	165,074
282	165,074	585	8,414	156,660
283	156,660	555	8,444	148,216
284	148,216	525	8,474	139,741
285	139,741	495	8,504	131,237
286	131,237	465	8,534	122,703
287	122,703	435	8,565	114,138
288	114,138	404	8,595	105,544
289	105,544	374	8,625	96,918
290	96,918	343	8,656	88,263
291	88,263	313	8,686	79,576
292	79,576	282	8,717	70,859
293	70,859	251	8,748	62,111
294	62,111	220	8,779	53,332
295	53,332	189	8,810	44,521
296	44,521	158	8,841	35,680
297	35,680	126	8,873	26,807
298	26,807	95	8,904	17,903
299	17,903	63	8,936	8,967
300	8,967	32	8,967	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.