For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
UAE Central Bank caps LTV at 80% for UAE nationals (first property up to AED 5M) and 75% for expats. Property-transfer fee 4% in Dubai (split buyer/seller historically). EIBOR (Emirates Interbank Offered Rate) pegs floating rates.
Typical fixed-rate band
3.99–4.99%
2026 headline range
Typical floating / variable
4.50–6.00%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
80%
Typical deposit 20%
Typical term
25 yrs
Common during the fix period; usually waived after
Pre-populated with the median fixed rate, typical deposit %, and typical term from AE lenders. Override any input. Stamp / transfer / property tax not modeled — see the sources block below for binding affordability rules.
Loan amount
AED 1,600,000
LTV 80.00%
Monthly P&I
AED 8,884
25y at 4.49%
Total interest
AED 1,065,272
Total cost AED 2,665,272
Stamp / transfer / property tax differs widely by jurisdiction and is not modeled here. See the country's sources block below for the binding rules.
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What this calculator does NOT cover:
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
AE mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.