REIN Investment · Vyb at Business Bay

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 825,000

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 825,000

Monthly repayment

AED 4,469

Total paid over 25 years

AED 1,340,802

of which interest AED 515,802

Total upfront cash

AED 939,683 – AED 942,683

DepositAED 825,000
DLD transfer fee (4% + admin)AED 66,580
Mortgage registration (0.25% + admin)AED 2,353
Bank arrangement feeAED 8,250
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 33,000

Plus life and property insurance, estimated AED 4,125/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 100%AED 1,650,000

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 783,750 — you bring AED 41,250 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	825,000	2,922	1,547	823,453
2	823,453	2,916	1,553	821,900
3	821,900	2,911	1,558	820,341
4	820,341	2,905	1,564	818,777
5	818,777	2,900	1,570	817,208
6	817,208	2,894	1,575	815,633
7	815,633	2,889	1,581	814,052
8	814,052	2,883	1,586	812,466
9	812,466	2,877	1,592	810,874
10	810,874	2,872	1,597	809,276
11	809,276	2,866	1,603	807,673
12	807,673	2,861	1,609	806,064
13	806,064	2,855	1,615	804,450
14	804,450	2,849	1,620	802,830
15	802,830	2,843	1,626	801,204
16	801,204	2,838	1,632	799,572
17	799,572	2,832	1,638	797,934
18	797,934	2,826	1,643	796,291
19	796,291	2,820	1,649	794,642
20	794,642	2,814	1,655	792,987
21	792,987	2,808	1,661	791,326
22	791,326	2,803	1,667	789,659
23	789,659	2,797	1,673	787,987
24	787,987	2,791	1,679	786,308
25	786,308	2,785	1,684	784,624
26	784,624	2,779	1,690	782,933
27	782,933	2,773	1,696	781,237
28	781,237	2,767	1,702	779,534
29	779,534	2,761	1,708	777,826
30	777,826	2,755	1,715	776,111
31	776,111	2,749	1,721	774,391
32	774,391	2,743	1,727	772,664
33	772,664	2,737	1,733	770,931
34	770,931	2,730	1,739	769,192
35	769,192	2,724	1,745	767,447
36	767,447	2,718	1,751	765,696
37	765,696	2,712	1,758	763,938
38	763,938	2,706	1,764	762,175
39	762,175	2,699	1,770	760,405
40	760,405	2,693	1,776	758,628
41	758,628	2,687	1,783	756,846
42	756,846	2,680	1,789	755,057
43	755,057	2,674	1,795	753,262
44	753,262	2,668	1,802	751,460
45	751,460	2,661	1,808	749,652
46	749,652	2,655	1,814	747,838
47	747,838	2,649	1,821	746,017
48	746,017	2,642	1,827	744,190
49	744,190	2,636	1,834	742,356
50	742,356	2,629	1,840	740,516
51	740,516	2,623	1,847	738,670
52	738,670	2,616	1,853	736,816
53	736,816	2,610	1,860	734,957
54	734,957	2,603	1,866	733,090
55	733,090	2,596	1,873	731,217
56	731,217	2,590	1,880	729,338
57	729,338	2,583	1,886	727,451
58	727,451	2,576	1,893	725,558
59	725,558	2,570	1,900	723,659
60	723,659	2,563	1,906	721,752
61	721,752	2,556	1,913	719,839
62	719,839	2,549	1,920	717,919
63	717,919	2,543	1,927	715,993
64	715,993	2,536	1,934	714,059
65	714,059	2,529	1,940	712,119
66	712,119	2,522	1,947	710,171
67	710,171	2,515	1,954	708,217
68	708,217	2,508	1,961	706,256
69	706,256	2,501	1,968	704,288
70	704,288	2,494	1,975	702,313
71	702,313	2,487	1,982	700,331
72	700,331	2,480	1,989	698,342
73	698,342	2,473	1,996	696,346
74	696,346	2,466	2,003	694,343
75	694,343	2,459	2,010	692,333
76	692,333	2,452	2,017	690,316
77	690,316	2,445	2,024	688,291
78	688,291	2,438	2,032	686,259
79	686,259	2,431	2,039	684,221
80	684,221	2,423	2,046	682,175
81	682,175	2,416	2,053	680,121
82	680,121	2,409	2,061	678,061
83	678,061	2,401	2,068	675,993
84	675,993	2,394	2,075	673,918
85	673,918	2,387	2,083	671,835
86	671,835	2,379	2,090	669,745
87	669,745	2,372	2,097	667,648
88	667,648	2,365	2,105	665,543
89	665,543	2,357	2,112	663,431
90	663,431	2,350	2,120	661,311
91	661,311	2,342	2,127	659,184
92	659,184	2,335	2,135	657,049
93	657,049	2,327	2,142	654,907
94	654,907	2,319	2,150	652,757
95	652,757	2,312	2,157	650,600
96	650,600	2,304	2,165	648,434
97	648,434	2,297	2,173	646,262
98	646,262	2,289	2,180	644,081
99	644,081	2,281	2,188	641,893
100	641,893	2,273	2,196	639,697
101	639,697	2,266	2,204	637,493
102	637,493	2,258	2,212	635,282
103	635,282	2,250	2,219	633,062
104	633,062	2,242	2,227	630,835
105	630,835	2,234	2,235	628,600
106	628,600	2,226	2,243	626,357
107	626,357	2,218	2,251	624,106
108	624,106	2,210	2,259	621,847
109	621,847	2,202	2,267	619,580
110	619,580	2,194	2,275	617,305
111	617,305	2,186	2,283	615,022
112	615,022	2,178	2,291	612,731
113	612,731	2,170	2,299	610,431
114	610,431	2,162	2,307	608,124
115	608,124	2,154	2,316	605,809
116	605,809	2,146	2,324	603,485
117	603,485	2,137	2,332	601,153
118	601,153	2,129	2,340	598,812
119	598,812	2,121	2,349	596,464
120	596,464	2,112	2,357	594,107
121	594,107	2,104	2,365	591,742
122	591,742	2,096	2,374	589,368
123	589,368	2,087	2,382	586,986
124	586,986	2,079	2,390	584,596
125	584,596	2,070	2,399	582,197
126	582,197	2,062	2,407	579,790
127	579,790	2,053	2,416	577,374
128	577,374	2,045	2,424	574,949
129	574,949	2,036	2,433	572,516
130	572,516	2,028	2,442	570,074
131	570,074	2,019	2,450	567,624
132	567,624	2,010	2,459	565,165
133	565,165	2,002	2,468	562,697
134	562,697	1,993	2,476	560,221
135	560,221	1,984	2,485	557,736
136	557,736	1,975	2,494	555,242
137	555,242	1,966	2,503	552,739
138	552,739	1,958	2,512	550,227
139	550,227	1,949	2,521	547,707
140	547,707	1,940	2,530	545,177
141	545,177	1,931	2,539	542,638
142	542,638	1,922	2,547	540,091
143	540,091	1,913	2,557	537,534
144	537,534	1,904	2,566	534,969
145	534,969	1,895	2,575	532,394
146	532,394	1,886	2,584	529,810
147	529,810	1,876	2,593	527,218
148	527,218	1,867	2,602	524,615
149	524,615	1,858	2,611	522,004
150	522,004	1,849	2,621	519,383
151	519,383	1,839	2,630	516,754
152	516,754	1,830	2,639	514,114
153	514,114	1,821	2,649	511,466
154	511,466	1,811	2,658	508,808
155	508,808	1,802	2,667	506,141
156	506,141	1,793	2,677	503,464
157	503,464	1,783	2,686	500,778
158	500,778	1,774	2,696	498,082
159	498,082	1,764	2,705	495,377
160	495,377	1,754	2,715	492,662
161	492,662	1,745	2,724	489,937
162	489,937	1,735	2,734	487,203
163	487,203	1,726	2,744	484,459
164	484,459	1,716	2,754	481,706
165	481,706	1,706	2,763	478,943
166	478,943	1,696	2,773	476,169
167	476,169	1,686	2,783	473,387
168	473,387	1,677	2,793	470,594
169	470,594	1,667	2,803	467,791
170	467,791	1,657	2,813	464,979
171	464,979	1,647	2,823	462,156
172	462,156	1,637	2,833	459,323
173	459,323	1,627	2,843	456,481
174	456,481	1,617	2,853	453,628
175	453,628	1,607	2,863	450,765
176	450,765	1,596	2,873	447,893
177	447,893	1,586	2,883	445,010
178	445,010	1,576	2,893	442,116
179	442,116	1,566	2,904	439,213
180	439,213	1,556	2,914	436,299
181	436,299	1,545	2,924	433,375
182	433,375	1,535	2,934	430,440
183	430,440	1,524	2,945	427,496
184	427,496	1,514	2,955	424,540
185	424,540	1,504	2,966	421,575
186	421,575	1,493	2,976	418,598
187	418,598	1,483	2,987	415,611
188	415,611	1,472	2,997	412,614
189	412,614	1,461	3,008	409,606
190	409,606	1,451	3,019	406,587
191	406,587	1,440	3,029	403,558
192	403,558	1,429	3,040	400,518
193	400,518	1,419	3,051	397,467
194	397,467	1,408	3,062	394,406
195	394,406	1,397	3,072	391,333
196	391,333	1,386	3,083	388,250
197	388,250	1,375	3,094	385,155
198	385,155	1,364	3,105	382,050
199	382,050	1,353	3,116	378,934
200	378,934	1,342	3,127	375,807
201	375,807	1,331	3,138	372,668
202	372,668	1,320	3,149	369,519
203	369,519	1,309	3,161	366,358
204	366,358	1,298	3,172	363,186
205	363,186	1,286	3,183	360,003
206	360,003	1,275	3,194	356,809
207	356,809	1,264	3,206	353,603
208	353,603	1,252	3,217	350,386
209	350,386	1,241	3,228	347,158
210	347,158	1,230	3,240	343,918
211	343,918	1,218	3,251	340,667
212	340,667	1,207	3,263	337,404
213	337,404	1,195	3,274	334,130
214	334,130	1,183	3,286	330,844
215	330,844	1,172	3,298	327,546
216	327,546	1,160	3,309	324,237
217	324,237	1,148	3,321	320,916
218	320,916	1,137	3,333	317,583
219	317,583	1,125	3,345	314,238
220	314,238	1,113	3,356	310,882
221	310,882	1,101	3,368	307,514
222	307,514	1,089	3,380	304,133
223	304,133	1,077	3,392	300,741
224	300,741	1,065	3,404	297,337
225	297,337	1,053	3,416	293,921
226	293,921	1,041	3,428	290,492
227	290,492	1,029	3,441	287,052
228	287,052	1,017	3,453	283,599
229	283,599	1,004	3,465	280,134
230	280,134	992	3,477	276,657
231	276,657	980	3,490	273,168
232	273,168	967	3,502	269,666
233	269,666	955	3,514	266,151
234	266,151	943	3,527	262,625
235	262,625	930	3,539	259,086
236	259,086	918	3,552	255,534
237	255,534	905	3,564	251,969
238	251,969	892	3,577	248,393
239	248,393	880	3,590	244,803
240	244,803	867	3,602	241,201
241	241,201	854	3,615	237,585
242	237,585	841	3,628	233,958
243	233,958	829	3,641	230,317
244	230,317	816	3,654	226,663
245	226,663	803	3,667	222,997
246	222,997	790	3,680	219,317
247	219,317	777	3,693	215,624
248	215,624	764	3,706	211,919
249	211,919	751	3,719	208,200
250	208,200	737	3,732	204,468
251	204,468	724	3,745	200,723
252	200,723	711	3,758	196,964
253	196,964	698	3,772	193,193
254	193,193	684	3,785	189,408
255	189,408	671	3,799	185,609
256	185,609	657	3,812	181,797
257	181,797	644	3,825	177,972
258	177,972	630	3,839	174,133
259	174,133	617	3,853	170,280
260	170,280	603	3,866	166,414
261	166,414	589	3,880	162,534
262	162,534	576	3,894	158,640
263	158,640	562	3,907	154,733
264	154,733	548	3,921	150,811
265	150,811	534	3,935	146,876
266	146,876	520	3,949	142,927
267	142,927	506	3,963	138,964
268	138,964	492	3,977	134,987
269	134,987	478	3,991	130,995
270	130,995	464	4,005	126,990
271	126,990	450	4,020	122,970
272	122,970	436	4,034	118,936
273	118,936	421	4,048	114,888
274	114,888	407	4,062	110,826
275	110,826	393	4,077	106,749
276	106,749	378	4,091	102,658
277	102,658	364	4,106	98,552
278	98,552	349	4,120	94,432
279	94,432	334	4,135	90,297
280	90,297	320	4,150	86,147
281	86,147	305	4,164	81,983
282	81,983	290	4,179	77,804
283	77,804	276	4,194	73,610
284	73,610	261	4,209	69,402
285	69,402	246	4,224	65,178
286	65,178	231	4,239	60,940
287	60,940	216	4,254	56,686
288	56,686	201	4,269	52,418
289	52,418	186	4,284	48,134
290	48,134	170	4,299	43,835
291	43,835	155	4,314	39,521
292	39,521	140	4,329	35,192
293	35,192	125	4,345	30,847
294	30,847	109	4,360	26,487
295	26,487	94	4,376	22,111
296	22,111	78	4,391	17,720
297	17,720	63	4,407	13,314
298	13,314	47	4,422	8,891
299	8,891	31	4,438	4,454
300	4,454	16	4,454	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.