Dubai Islamic Bank Mortgage Calculator
Estimate your monthly Dubai Islamic Bank home-finance payment in AED at current rates. Free, no signup.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with Dubai Islamic Bank. "Dubai Islamic Bank" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
Dubai Islamic Bank Mortgage rates
| Bank | Typical rate | Max tenure |
|---|---|---|
| Dubai Islamic Bank | 6.00% p.a. (Islamic) | up to 25 years |
Reference rates, ~2026. Your actual rate depends on your profile, down payment and the bank's current offers — verify before deciding.
Worked example
Example: AED 1,500,000 Dubai Islamic Bank home finance at 6.00% for 25 years.
- Monthly payment: AED 9,665
- Total profit: AED 1,399,356
- Total payable: AED 2,899,356
Frequently Asked Questions
What is the Dubai Islamic Bank mortgage rate?
Dubai Islamic Bank home finance rates are around 6.00% p.a. as a 2026 reference. The AED is USD-pegged, so rates track the US Fed. Verify the current offer with the bank.
How is Dubai Islamic Bank monthly payment calculated?
Using the reducing-balance formula on the financed amount. Enter the property price, down payment, rate and tenure in the calculator above.
How much deposit do expats need?
Expats typically need a 20% minimum down payment for properties under AED 5M, plus ~7–8% transaction costs (DLD 4%, agent 2%, registration).
Is this Islamic finance?
Yes — Dubai Islamic Bank offers Shariah-compliant home finance (Ijara/Murabaha) with a profit rate instead of interest.
DIB Home Finance Rates: What's Current
Dubai Islamic Bank's Al Islami Home Finance is Sharia-compliant, using a profit rate rather than interest. DIB's Home Finance Key Fact Statement lists Ijara profit rates of 3.95%–9.35% per annum depending on product and loan-to-value, with a worked illustration at 3.49%; confirm your rate with DIB. Most products are priced as EIBOR (3, 6, or 12 month) plus a bank margin.
Worked Example: DIB Profit Rate
AED 1,500,000 at 3.49% over 25 years (300 payments): r = 0.0349/12 = 0.0029083, (1+r)300 ≈ 2.389857.
M ≈ AED 7,501.31 per month. Total payments ≈ AED 2,250,390; profit charges ≈ AED 750,390.
Frequently Asked Questions
What profit rate does DIB currently advertise for home finance?
DIB's own Home Finance Key Fact Statement (2026) lists Ijara profit rates of 3.95%–9.35% per annum, with an illustrative example at 3.49%, and it does not publish a separate buyout rate.
Why does DIB use 'profit rate' instead of 'interest rate'?
As an Islamic bank, DIB structures home finance under Sharia-compliant contracts such as Ijara (lease-to-own), so the cost of financing is expressed as a profit rate rather than conventional interest.
Is DIB's home finance rate fixed or does it change over time?
According to DIB's own home finance page, most products are variable, referenced to EIBOR (3, 6, or 12 month tenors) plus a fixed margin, meaning your monthly payment can rise or fall as EIBOR moves.