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Vela Viento, Marasi Bay

Mortgage calculator

Plan the numbers before the viewing.

Estimate your monthly payment and the cash you need on day one.

This calculator applies the UAE Central Bank’s mortgage limits for loan-to-value, tenor and debt burden, and adds the main purchase fees in Dubai or Abu Dhabi, so the figure you see is close to what a bank would actually allow.

The property
You
The loan

The rules applied

Loan-to-value

First home, up to AED 5M: 80% for residents, 85% for UAE nationals. Above AED 5M: 70% and 75%. Second or investment homes: 60% and 65%. Off-plan: 50% for everyone. Non-resident lending is set by each bank and is typically around 50%.

Tenor and age

Maximum 25 years, and the loan must be repaid by age 65 if salaried or 70 if self-employed.

Debt burden

All monthly debt repayments, including the new mortgage, may not exceed 50% of gross monthly income.

Fees

Dubai: 4% DLD transfer fee plus admin, 0.25% mortgage registration, trustee fee. Abu Dhabi: 2% transfer fee and 0.1% mortgage registration. Plus bank arrangement (up to 1%), valuation and, where applicable, 2% agency fee. VAT at 5% where it applies.

Figures are indicative only and are not an offer of finance or financial advice. Final loan amounts, rates and fees are set by the lending bank and the relevant land department and may change. Renaissance Real Estate Brokers is not a mortgage lender; we can introduce you to licensed mortgage advisors.

Begin with a conversation

Tell us what matters to you.

Whether you are searching for a home, considering a sale or planning your next acquisition, begin with a private conversation. A senior advisor replies within a business day.





    Questions we are often asked

    How much can I borrow for a luxury home in the UAE?

    UAE residents can typically borrow up to 80% of value on a first home below AED 5 million and up to 70% above it; non-residents are usually offered up to 50%. Lenders also cap repayments at a share of income. Your advisor introduces lenders who understand high-value homes.

    Can I get a mortgage on an off-plan property?

    Yes, selectively. Several UAE banks finance off-plan purchases from approved developers, usually up to 50% of value, with the construction-stage instalments met from your own funds and the loan drawn at handover. Terms differ by project, so we confirm them before you reserve.

    What does a UAE mortgage cost beyond interest?

    Mortgage registration with the Dubai Land Department is 0.25% of the loan plus a small admin fee; in Abu Dhabi the municipal mortgage fee is 0.1% of the loan. Banks charge a valuation fee of around AED 3,000 and an arrangement fee of up to 1% of the loan. Life and property insurance are required.

    Is this calculator a quote?

    No. It gives an indicative monthly repayment from the price, deposit, rate and term you enter. Actual terms depend on the lender, your profile and the property. A Renaissance advisor can arrange a formal pre-approval.