Your real monthly payment, total interest, and the full cash you need on day one — with the correct Central Bank LTV limit applied to your buyer type automatically.
The down-payment floor adjusts automatically to the maximum LTV available for your buyer type and property status.
Estimates for planning only. Actual rates, fees and eligibility are set by individual banks and vary by profile. Excludes agent commission, service charges and DEWA deposits.
The monthly payment is the one everyone looks at. The other two are where deals fall apart.
Down payment plus the 4% DLD fee, mortgage registration, arrangement fee and valuation. On an AED 2 million purchase this is typically 25–27% of the price in cash, not 20%.
Shortening a 25-year term to 20 raises the monthly payment modestly and cuts total interest substantially. Run both before you commit to the longest tenure on offer.
Compare the monthly payment against net rent after service charges, vacancy and management — not the gross yield in the brochure. That gap is usually 1.5–2.5 points.
The calculator uses standard assumptions. Your lender, your residency status and your timeline change all three outputs — that is a twenty-minute conversation, not a form.