Expatriate first home
Maximum LTV is 80% at AED 5 million or less, so the minimum down payment is 20%. Above AED 5 million, maximum LTV is 70%.
Free UAE property utility
UAE mortgage calculator
Estimate a fixed monthly mortgage payment, total repayment, and total interest. Check your loan against the Central Bank’s maximum loan-to-value ratio.
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Formula and regulatory basis
Amortisation plus the official LTV ceiling
The monthly result uses the standard fully amortising payment formula: principal × monthly rate × (1 + monthly rate)n ÷ ((1 + monthly rate)n − 1), where n is the number of monthly payments. At 0%, principal is divided equally by the number of months. The CBUAE Regulations Regarding Mortgage Loans provide the maximum LTV ratios, a 25-year maximum tenor, and a 50% debt-burden ratio ceiling.
UAE national first home
Maximum LTV is 85% at AED 5 million or less and 75% above AED 5 million.
Other categories
Second or investment property: 60% LTV for expatriates and 65% for UAE nationals. Off-plan: 50% for all categories.
Twenty percent is not universal: it is the regulatory minimum implied for an expatriate’s first owner-occupied home at or below AED 5 million. Lenders can require a larger down payment or apply more conservative underwriting. This estimate excludes transfer and mortgage registration, valuation, trustee, broker, processing, insurance, service, maintenance, early-settlement, and variable-rate costs. It is not a loan offer or financial advice.
Common questions
UAE mortgage FAQ
What is the UAE minimum mortgage down payment?
For an expatriate first home at AED 5 million or below, the CBUAE maximum LTV is 80%, implying 20% down. The correct minimum ranges from 15% to 50% across the regulated categories, and a lender may require more.
What is the maximum mortgage term?
The CBUAE regulation sets a maximum initial mortgage term of 25 years.
Does the payment include all home-buying costs?
No. It covers principal and the entered constant interest or profit rate only.
What if my bank rate changes after a fixed period?
Run the calculator again with the expected reversion rate and remaining balance. A single-rate model cannot predict a variable-rate path.
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