Service
UAE Mortgage Affordability Calculator
This service estimates your monthly mortgage payment and the property value you can afford in the United Arab Emirates based on common lending criteria and UAE property fees.
Service details
Mortgage summary
Breakdown
Loan details and the amortisation formula used to estimate the monthly payment will be summarised here once you enter your information.
Debt Burden Ratio (DBR) and the relationship between your income, existing debts and the mortgage payment will be shown here.
A comparison between the estimated mortgage payment and the maximum allowable payment under a 50% DBR guideline will appear here.
If affordability mode is enabled, the maximum loan amount and property price that fit within the chosen payment cap will be described here.
Total UAE property-related fees (DLD transfer, mortgage registration, bank arrangement and valuation) will be summarised here.
A breakdown of DLD transfer fee, mortgage registration fee, bank arrangement fee and the fixed valuation fee will be listed here.
The estimated upfront cost including down payment, DLD fees, bank fees and valuation fee will be presented here.
Information note
These calculations follow commonly referenced lending practices and fee structures in the UAE mortgage market. Actual loan eligibility criteria and fees may vary depending on the bank, residency status, credit score, property type and updated regulations. Users should confirm exact details with their bank or financial adviser.
About this calculator
This calculator provides an indicative estimation of mortgage affordability and related fees in the United Arab Emirates. It does not constitute legal or financial advice. Users should confirm specific terms, eligibility criteria and fee schedules with their bank, mortgage adviser or official UAE regulatory resources.