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Dubai mortgage tools

Mortgage Calculator (Dubai)

EMI calculator with Dubai-specific defaults — typical AED 5-year fixed rates, 25-year tenure, full amortisation schedule. See exactly where your money goes month by month.

Loan details

Most UAE mortgages: fixed for 1-5 years, then variable (EIBOR + spread).

Pay extra principal monthly or as a lump sum to cut tenure and total interest.

Monthly EMI

AED 10,950

Loan: AED 1,875,000 • 25 years at 4.99%

Total interest

AED 1,410,043

Total payment

AED 3,285,043

Down payment

AED 625,000

Upfront fees

AED 175,250

Loan composition

  • PrincipalAED 1,875,000
  • InterestAED 1,410,043

Loan balance over time

Y1Y6Y11Y16Y21Y25

Upfront cost: AED 800,250

  • Down payment (25%)AED 625,000
  • DLD transfer fee (4%)AED 100,000
  • Agent commission (2%)AED 50,000
  • Mortgage processing (1%)AED 18,750
  • DLD trustee feeAED 4,000
  • Property valuationAED 2,500

Amortization schedule

300 payments • payoff in 25y 0m