Emirates NBD Mortgage Calculator
Estimate your monthly Emirates NBD 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 Emirates NBD. "Emirates NBD" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
Emirates NBD Mortgage rates
| Bank | Typical rate | Max tenure |
|---|---|---|
| Emirates NBD | 6.00% p.a. | 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 Emirates NBD mortgage at 6.00% for 25 years.
- Monthly payment: AED 9,665
- Total interest: AED 1,399,356
- Total payable: AED 2,899,356
Frequently Asked Questions
What is the Emirates NBD mortgage rate?
Emirates NBD mortgage 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 Emirates NBD 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?
This is conventional. For Shariah-compliant home finance see Dubai Islamic Bank.
Emirates NBD Mortgage Rates: What's Current
Emirates NBD's official Key Facts Statement for home loans (dated February 2026) states fixed interest rates starting from 3.99% up to 9.99% per annum, offered with a 3- or 5-year fixed introductory period, and variable rates starting from 4.09% up to 10.07% thereafter, linked to EIBOR plus a fixed margin.
Worked Example: Emirates NBD Fixed Rate
AED 2,000,000 at 3.99% over 25 years (300 payments): r = 0.0399/12 = 0.0033250, (1+r)300 ≈ 2.707012.
M ≈ AED 10,545.70 per month. Total payments ≈ AED 3,163,710; financing cost ≈ AED 1,163,710.
Frequently Asked Questions
What is Emirates NBD's current fixed mortgage rate?
Emirates NBD's official Key Facts Statement (dated February 2026) lists fixed rates starting from 3.99% per annum for an initial 3- or 5-year period, up to 9.99% depending on customer profile.
What happens to the rate after Emirates NBD's fixed period ends?
The loan converts to a variable rate linked to EIBOR plus a fixed margin — its representative example shows a post-introductory rate of 6.23% (4.24% EIBOR plus a 1.99% margin).
Does Emirates NBD's rate depend on salary transfer or nationality?
Yes — Emirates NBD prices home loans differently for UAE nationals, expatriates, and salary-transfer customers, so your personal quote should be confirmed directly with the bank.
The CBUAE rules that cap every UAE mortgage, Emirates NBD included
Emirates NBD's rate sheet only tells half the story — the Central Bank of the UAE (CBUAE) separately caps how much any UAE bank can lend against a property, under its mortgage-loan regulation (Circular No. 31/2013, as amended). The ceiling depends on nationality, price, and whether it's a first mortgaged home:
| Borrower / property | UAE nationals | Expatriates |
|---|---|---|
| First home, price up to AED 5M | 85% LTV | 80% LTV |
| First home, price above AED 5M | 75% LTV | 70% LTV |
| Second or subsequent mortgaged property | 65% LTV | 60% LTV |
| Off-plan property (any buyer) | 50% LTV | |
On the AED 2,000,000 example above, an expat buyer needs at least AED 400,000 (20%) as a down payment on a first home under AED 5M, on top of registration costs below. The same CBUAE regulation sets the 25-year maximum tenor used in the calculator's default, and caps early-settlement charges at the lower of 1% of the outstanding balance or AED 10,000 — a reduction from the 3% cap that applied before October 2019.
Dubai Land Department registration fee
Separately from the 4% DLD transfer fee charged when a property changes hands, registering the mortgage itself with the Dubai Land Department costs 0.25% of the mortgage amount, plus a flat AED 250 title-deed charge, AED 10 knowledge fee and AED 10 innovation fee. On a AED 2,000,000 Emirates NBD mortgage that's roughly AED 5,270 in DLD registration costs, separate from the bank's own charges.
EIBOR and the post-introductory rate
Emirates NBD's representative post-introductory example above (6.23%) is built from 4.24% EIBOR plus a 1.99% margin. As of 24 September 2026, the CBUAE's official fixing has 3-month EIBOR at 4.20% — close to that representative example, which means a borrower coming off Emirates NBD's 3.99% fixed rate today should budget for a payment jump of roughly two percentage points, not just the headline introductory figure.
Related calculators
Sources
- Key Facts Statement (KFS) Home Loan – Fixed & Variable Interest Rate, Emirates NBD, February 2026 (accessed 26 September 2026)
- EIBOR Rates, Central Bank of the UAE (accessed 26 September 2026)
- Article 3: Important Ratios, Regulations Regarding Mortgage Loans, CBUAE Rulebook (accessed 26 September 2026)
- Mortgage Registration service fees, Dubai Land Department (accessed 26 September 2026)
- Reduction in early mortgage settlement fee in UAE, Gulf News (accessed 26 September 2026)