MORTGAGE CALCULATOR
Mortgage Calculator UAE
Estimate your monthly payment, see the full upfront cost breakdown and compare rates across 42+ UAE banks. All results update instantly.
GCC Mortgages
UAE Mortgage Calculator — 42+ banks compared — all results update instantly
Salary transfer to the lending bank typically unlocks the lowest rates and higher loan amounts.
AED 4,193
Estimated monthly repayment · 3-year fixed interest rate 3.75% · salary transfer
AED 2.1M
Maximum loan amount · based on 7× annual income (expat)
UAE bank affordability rule: (monthly salary − existing commitments) × 12 × multiplier. Multiplier is 7× for expats and non-residents, 8× for UAE nationals. Existing commitments (loans, credit cards, other mortgages) reduce the salary that gets multiplied. Max age at loan maturity is 70, max term 25 years. Max LTV: 80% expat, 85% UAE national, 65% non-resident (property ≤ AED 5M). Above AED 5M the LTV drops to 70% (expat) or 75% (national).
Buying wins by AED 180,000
Estimated 5-year cost comparison at the values above
Buying cost excludes property appreciation/depreciation. Rent assumes 3% annual increase. Renting long-term almost always loses out because you build no equity — the calculator makes that explicit.
Year-by-year breakdown of principal and interest over the loan term. Uses the values from the Monthly payment tab.
| Year | Principal paid | Interest paid | Total paid | Balance remaining |
|---|
Results are estimates for guidance only. Actual rates and fees are subject to individual bank assessment, eligibility, and market conditions.
GCC Mortgages · Dubai Hills Business Park, Dubai, UAE · +971 58 598 6155 · info@gccmortgages.com · gccmortgages.com