REIN Investment · Woodland Terraces

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 673,419

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 673,419

Monthly repayment

AED 3,648

Total paid over 25 years

AED 1,094,450

of which interest AED 421,031

Total upfront cash

AED 768,017 – AED 771,017

DepositAED 673,419
DLD transfer fee (4% + admin)AED 54,454
Mortgage registration (0.25% + admin)AED 1,974
Bank arrangement feeAED 6,734
Valuation feeAED 2,500 – AED 3,500
Trustee office feeAED 2,000 – AED 4,000
Agency commission (2%)AED 26,937

Plus life and property insurance, estimated AED 3,367/year — banded, lender-dependent.

The off-plan reality: two stages

During construction — developer instalments, self-funded

On booking · 10%AED 134,684
During construction (10% every 3 months) · 40%AED 538,735
Upon Handover · 50%AED 673,419

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 639,748 — you bring AED 33,671 more in cash at handover.

Amortisation table

Month	Opening	Interest	Principal	Closing
1	673,419	2,385	1,263	672,156
2	672,156	2,381	1,268	670,888
3	670,888	2,376	1,272	669,616
4	669,616	2,372	1,277	668,340
5	668,340	2,367	1,281	667,058
6	667,058	2,362	1,286	665,773
7	665,773	2,358	1,290	664,483
8	664,483	2,353	1,295	663,188
9	663,188	2,349	1,299	661,888
10	661,888	2,344	1,304	660,584
11	660,584	2,340	1,309	659,276
12	659,276	2,335	1,313	657,963
13	657,963	2,330	1,318	656,645
14	656,645	2,326	1,323	655,322
15	655,322	2,321	1,327	653,995
16	653,995	2,316	1,332	652,663
17	652,663	2,312	1,337	651,326
18	651,326	2,307	1,341	649,985
19	649,985	2,302	1,346	648,639
20	648,639	2,297	1,351	647,288
21	647,288	2,292	1,356	645,932
22	645,932	2,288	1,360	644,572
23	644,572	2,283	1,365	643,206
24	643,206	2,278	1,370	641,836
25	641,836	2,273	1,375	640,461
26	640,461	2,268	1,380	639,081
27	639,081	2,263	1,385	637,697
28	637,697	2,259	1,390	636,307
29	636,307	2,254	1,395	634,912
30	634,912	2,249	1,400	633,513
31	633,513	2,244	1,404	632,108
32	632,108	2,239	1,409	630,699
33	630,699	2,234	1,414	629,284
34	629,284	2,229	1,419	627,865
35	627,865	2,224	1,424	626,441
36	626,441	2,219	1,430	625,011
37	625,011	2,214	1,435	623,576
38	623,576	2,208	1,440	622,137
39	622,137	2,203	1,445	620,692
40	620,692	2,198	1,450	619,242
41	619,242	2,193	1,455	617,787
42	617,787	2,188	1,460	616,327
43	616,327	2,183	1,465	614,862
44	614,862	2,178	1,471	613,391
45	613,391	2,172	1,476	611,915
46	611,915	2,167	1,481	610,434
47	610,434	2,162	1,486	608,948
48	608,948	2,157	1,491	607,457
49	607,457	2,151	1,497	605,960
50	605,960	2,146	1,502	604,458
51	604,458	2,141	1,507	602,950
52	602,950	2,135	1,513	601,438
53	601,438	2,130	1,518	599,920
54	599,920	2,125	1,523	598,396
55	598,396	2,119	1,529	596,867
56	596,867	2,114	1,534	595,333
57	595,333	2,108	1,540	593,793
58	593,793	2,103	1,545	592,248
59	592,248	2,098	1,551	590,698
60	590,698	2,092	1,556	589,142
61	589,142	2,087	1,562	587,580
62	587,580	2,081	1,567	586,013
63	586,013	2,075	1,573	584,440
64	584,440	2,070	1,578	582,862
65	582,862	2,064	1,584	581,278
66	581,278	2,059	1,589	579,688
67	579,688	2,053	1,595	578,093
68	578,093	2,047	1,601	576,493
69	576,493	2,042	1,606	574,886
70	574,886	2,036	1,612	573,274
71	573,274	2,030	1,618	571,656
72	571,656	2,025	1,624	570,033
73	570,033	2,019	1,629	568,403
74	568,403	2,013	1,635	566,768
75	566,768	2,007	1,641	565,127
76	565,127	2,001	1,647	563,481
77	563,481	1,996	1,653	561,828
78	561,828	1,990	1,658	560,170
79	560,170	1,984	1,664	558,506
80	558,506	1,978	1,670	556,836
81	556,836	1,972	1,676	555,159
82	555,159	1,966	1,682	553,477
83	553,477	1,960	1,688	551,790
84	551,790	1,954	1,694	550,096
85	550,096	1,948	1,700	548,396
86	548,396	1,942	1,706	546,690
87	546,690	1,936	1,712	544,978
88	544,978	1,930	1,718	543,260
89	543,260	1,924	1,724	541,536
90	541,536	1,918	1,730	539,805
91	539,805	1,912	1,736	538,069
92	538,069	1,906	1,743	536,327
93	536,327	1,899	1,749	534,578
94	534,578	1,893	1,755	532,823
95	532,823	1,887	1,761	531,062
96	531,062	1,881	1,767	529,295
97	529,295	1,875	1,774	527,521
98	527,521	1,868	1,780	525,741
99	525,741	1,862	1,786	523,955
100	523,955	1,856	1,792	522,163
101	522,163	1,849	1,799	520,364
102	520,364	1,843	1,805	518,558
103	518,558	1,837	1,812	516,747
104	516,747	1,830	1,818	514,929
105	514,929	1,824	1,824	513,104
106	513,104	1,817	1,831	511,273
107	511,273	1,811	1,837	509,436
108	509,436	1,804	1,844	507,592
109	507,592	1,798	1,850	505,742
110	505,742	1,791	1,857	503,885
111	503,885	1,785	1,864	502,021
112	502,021	1,778	1,870	500,151
113	500,151	1,771	1,877	498,274
114	498,274	1,765	1,883	496,391
115	496,391	1,758	1,890	494,501
116	494,501	1,751	1,897	492,604
117	492,604	1,745	1,904	490,700
118	490,700	1,738	1,910	488,790
119	488,790	1,731	1,917	486,873
120	486,873	1,724	1,924	484,949
121	484,949	1,718	1,931	483,018
122	483,018	1,711	1,937	481,081
123	481,081	1,704	1,944	479,137
124	479,137	1,697	1,951	477,185
125	477,185	1,690	1,958	475,227
126	475,227	1,683	1,965	473,262
127	473,262	1,676	1,972	471,290
128	471,290	1,669	1,979	469,311
129	469,311	1,662	1,986	467,325
130	467,325	1,655	1,993	465,332
131	465,332	1,648	2,000	463,332
132	463,332	1,641	2,007	461,325
133	461,325	1,634	2,014	459,310
134	459,310	1,627	2,021	457,289
135	457,289	1,620	2,029	455,260
136	455,260	1,612	2,036	453,225
137	453,225	1,605	2,043	451,182
138	451,182	1,598	2,050	449,131
139	449,131	1,591	2,057	447,074
140	447,074	1,583	2,065	445,009
141	445,009	1,576	2,072	442,937
142	442,937	1,569	2,079	440,858
143	440,858	1,561	2,087	438,771
144	438,771	1,554	2,094	436,677
145	436,677	1,547	2,102	434,575
146	434,575	1,539	2,109	432,466
147	432,466	1,532	2,117	430,349
148	430,349	1,524	2,124	428,225
149	428,225	1,517	2,132	426,094
150	426,094	1,509	2,139	423,955
151	423,955	1,502	2,147	421,808
152	421,808	1,494	2,154	419,654
153	419,654	1,486	2,162	417,492
154	417,492	1,479	2,170	415,322
155	415,322	1,471	2,177	413,145
156	413,145	1,463	2,185	410,960
157	410,960	1,455	2,193	408,768
158	408,768	1,448	2,200	406,567
159	406,567	1,440	2,208	404,359
160	404,359	1,432	2,216	402,143
161	402,143	1,424	2,224	399,919
162	399,919	1,416	2,232	397,687
163	397,687	1,408	2,240	395,447
164	395,447	1,401	2,248	393,200
165	393,200	1,393	2,256	390,944
166	390,944	1,385	2,264	388,681
167	388,681	1,377	2,272	386,409
168	386,409	1,369	2,280	384,129
169	384,129	1,360	2,288	381,842
170	381,842	1,352	2,296	379,546
171	379,546	1,344	2,304	377,242
172	377,242	1,336	2,312	374,930
173	374,930	1,328	2,320	372,610
174	372,610	1,320	2,329	370,281
175	370,281	1,311	2,337	367,944
176	367,944	1,303	2,345	365,599
177	365,599	1,295	2,353	363,246
178	363,246	1,286	2,362	360,884
179	360,884	1,278	2,370	358,514
180	358,514	1,270	2,378	356,136
181	356,136	1,261	2,387	353,749
182	353,749	1,253	2,395	351,354
183	351,354	1,244	2,404	348,950
184	348,950	1,236	2,412	346,538
185	346,538	1,227	2,421	344,117
186	344,117	1,219	2,429	341,687
187	341,687	1,210	2,438	339,249
188	339,249	1,202	2,447	336,803
189	336,803	1,193	2,455	334,347
190	334,347	1,184	2,464	331,883
191	331,883	1,175	2,473	329,411
192	329,411	1,167	2,482	326,929
193	326,929	1,158	2,490	324,439
194	324,439	1,149	2,499	321,940
195	321,940	1,140	2,508	319,432
196	319,432	1,131	2,517	316,915
197	316,915	1,122	2,526	314,389
198	314,389	1,113	2,535	311,854
199	311,854	1,104	2,544	309,311
200	309,311	1,095	2,553	306,758
201	306,758	1,086	2,562	304,196
202	304,196	1,077	2,571	301,625
203	301,625	1,068	2,580	299,045
204	299,045	1,059	2,589	296,456
205	296,456	1,050	2,598	293,858
206	293,858	1,041	2,607	291,251
207	291,251	1,032	2,617	288,634
208	288,634	1,022	2,626	286,008
209	286,008	1,013	2,635	283,373
210	283,373	1,004	2,645	280,728
211	280,728	994	2,654	278,075
212	278,075	985	2,663	275,411
213	275,411	975	2,673	272,738
214	272,738	966	2,682	270,056
215	270,056	956	2,692	267,365
216	267,365	947	2,701	264,663
217	264,663	937	2,711	261,952
218	261,952	928	2,720	259,232
219	259,232	918	2,730	256,502
220	256,502	908	2,740	253,762
221	253,762	899	2,749	251,013
222	251,013	889	2,759	248,254
223	248,254	879	2,769	245,485
224	245,485	869	2,779	242,706
225	242,706	860	2,789	239,917
226	239,917	850	2,798	237,119
227	237,119	840	2,808	234,311
228	234,311	830	2,818	231,492
229	231,492	820	2,828	228,664
230	228,664	810	2,838	225,826
231	225,826	800	2,848	222,977
232	222,977	790	2,858	220,119
233	220,119	780	2,869	217,250
234	217,250	769	2,879	214,371
235	214,371	759	2,889	211,483
236	211,483	749	2,899	208,583
237	208,583	739	2,909	205,674
238	205,674	728	2,920	202,754
239	202,754	718	2,930	199,824
240	199,824	708	2,940	196,884
241	196,884	697	2,951	193,933
242	193,933	687	2,961	190,971
243	190,971	676	2,972	188,000
244	188,000	666	2,982	185,017
245	185,017	655	2,993	182,024
246	182,024	645	3,003	179,021
247	179,021	634	3,014	176,007
248	176,007	623	3,025	172,982
249	172,982	613	3,036	169,946
250	169,946	602	3,046	166,900
251	166,900	591	3,057	163,843
252	163,843	580	3,068	160,775
253	160,775	569	3,079	157,697
254	157,697	559	3,090	154,607
255	154,607	548	3,101	151,506
256	151,506	537	3,112	148,395
257	148,395	526	3,123	145,272
258	145,272	515	3,134	142,138
259	142,138	503	3,145	138,994
260	138,994	492	3,156	135,838
261	135,838	481	3,167	132,671
262	132,671	470	3,178	129,492
263	129,492	459	3,190	126,303
264	126,303	447	3,201	123,102
265	123,102	436	3,212	119,890
266	119,890	425	3,224	116,666
267	116,666	413	3,235	113,431
268	113,431	402	3,246	110,185
269	110,185	390	3,258	106,927
270	106,927	379	3,269	103,657
271	103,657	367	3,281	100,376
272	100,376	355	3,293	97,084
273	97,084	344	3,304	93,779
274	93,779	332	3,316	90,463
275	90,463	320	3,328	87,136
276	87,136	309	3,340	83,796
277	83,796	297	3,351	80,445
278	80,445	285	3,363	77,081
279	77,081	273	3,375	73,706
280	73,706	261	3,387	70,319
281	70,319	249	3,399	66,920
282	66,920	237	3,411	63,509
283	63,509	225	3,423	60,086
284	60,086	213	3,435	56,650
285	56,650	201	3,448	53,203
286	53,203	188	3,460	49,743
287	49,743	176	3,472	46,271
288	46,271	164	3,484	42,787
289	42,787	152	3,497	39,290
290	39,290	139	3,509	35,781
291	35,781	127	3,521	32,260
292	32,260	114	3,534	28,726
293	28,726	102	3,546	25,179
294	25,179	89	3,559	21,620
295	21,620	77	3,572	18,049
296	18,049	64	3,584	14,464
297	14,464	51	3,597	10,867
298	10,867	38	3,610	7,258
299	7,258	26	3,622	3,635
300	3,635	13	3,635	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.