UAE Mortgage Calculator — Home Finance in AED
Calculate your monthly mortgage or Islamic home finance payment in the UAE. Conventional and Murabaha/Ijara options, current bank rates, deposit and fee guidance. No signup.
Current UAE mortgage rates (April 2026)
| Type | Typical rate (p.a.) | Notes |
|---|---|---|
| Fixed (1–3 yr intro) | 5.5% – 6.5% | Reverts to variable after intro period |
| Variable (EIBOR-linked) | 6.0% – 7.0% | Moves with EIBOR / Fed |
| Islamic (Murabaha/Ijara) | 5.5% – 7.0% | Shariah-compliant, similar cost |
The AED is pegged to the US dollar, so UAE mortgage rates track the US Federal Reserve (policy rate ≈ 4.4%). Expats usually need a 20% minimum down payment.
Major UAE mortgage providers
- Emirates NBD — wide range of fixed and variable products, fast pre-approval
- First Abu Dhabi Bank (FAB) — competitive rates, large lender
- ADCB — flexible repayment, expat-friendly
- Dubai Islamic Bank — leading Islamic home finance (Ijara)
- Abu Dhabi Islamic Bank (ADIB) — Shariah-compliant Murabaha/Ijara
- Mashreq — digital application, salary-transfer benefits
The real cost of an AED 1.5M mortgage
Example: AED 1,500,000 at 6% for 25 years.
- Monthly payment: ≈ AED 9,664
- Total paid over 25 years: ≈ AED 2.9 million
- Total interest / profit: ≈ AED 1.4 million
- Upfront costs (DLD 4%, agent 2%, registration): budget ~7–8% of price
Frequently Asked Questions
What is the current UAE mortgage rate?
Roughly 5.5%–7% p.a. as of April 2026. AED is USD-pegged, so rates follow the US Fed.
How much deposit do I need?
Expats: 20% minimum (15% for nationals) for homes under AED 5M, plus ~7–8% transaction costs.
Conventional vs Islamic finance?
Conventional charges interest; Islamic (Murabaha/Ijara) uses a profit margin or lease structure. Similar monthly cost, different structure.
Can expats get a mortgage?
Yes — with a residence visa, qualifying salary (often AED 15,000+), and bank statements. Max age at maturity usually 65–70.