Home Loan Calculator UAE – Check Your EMI Based on Your Profile
Calculate your estimated monthly home loan payments using UAE-specific rules including down-payment bands, LTV limits, and DBR impact. Get personalized rates from 18+ banks in 2 minutes.
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Calculate Your EMI Instantly
Enter your details below to get an instant estimate. For your actual personalized rate from UAE banks, apply now - it takes just 2 minutes and is completely free.
Important: Illustrative Calculations Only
*These calculations are illustrative estimates only and do not constitute a loan offer or commitment.
- •Actual interest rates, fees, and terms vary based on your credit profile, employment, and bank policies
- •EMI calculations use illustrative rates (3.89%–4.99%) for estimation purposes only
- •Complete the pre-approval form to get personalized quotes from multiple UAE banks
These calculations use market average rates for estimation. Your actual rate depends on your profile.
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UAE Home Loan Rules by Applicant Type
UAE Nationals
- •Down Payment: 15–20%
- •Max LTV: Up to 85%
- •Rates: Preferential rates (3.49%+)
- •Max Tenure: 25 years
Expat Residents
- •Down Payment: 20–25%
- •Max LTV: 75–80%
- •Rates: Competitive rates (3.75-4.5%)
- •Max Tenure: Up to 25 years
Non-Residents
- •Down Payment: 35–40%
- •Max LTV: 60–65%
- •Rates: Higher rates (4.25-4.75%)
- •Limited Bank Options
Understanding DBR (Debt Burden Ratio)
Formula:
DBR = (Existing EMIs + New EMI) / Monthly Income × 100
What is DBR? Your Debt Burden Ratio shows what percentage of your monthly income goes toward debt payments (including your new home loan EMI).
UAE Bank Rule: Banks approve loans only if your DBR ≤ 50%. This means your total monthly debt payments (all EMIs, credit cards, personal loans, etc.) cannot exceed 50% of your monthly income.
Example: If you earn AED 10,000/month and have AED 2,000 in existing EMIs, your remaining capacity for the new home loan EMI is AED 3,000 (50% cap). Banks won't approve a loan with higher EMI.
Home Loan Fees in UAE
Bank Processing Fee
0.5%–1% of loan amount (charged upfront)
Property Valuation Fee
AED 2,500–3,500 (paid to bank's appraiser)
Dubai Land Department (DLD) Fee
4% of property value (can be split with seller)
Mortgage Registration Fee
0.25% of mortgage amount (DLD charge)
Trustee Fee
AED 4,000–5,000 (one-time fee for mortgage document holder)
Bank Requirement Checklist
Home Loan Solutions by Buyer Profile
First-Time Buyer
- • Lower rates available
- • Flexible down payment
- • First-time buyer programs
- • Guidance on process
Investor
- • Investment property rates
- • Multiple property options
- • Portfolio management
- • Refinancing options
Self-Employed
- • Additional documentation
- • 2+ years business history
- • Financial statements needed
- • Slightly higher rates
Off-Plan Buyer
- • Higher down payment
- • Construction-linked payments
- • Special terms available
- • Developer approval needed
Home Loan Calculator FAQs
Does this calculator apply UAE down-payment rules?
Yes! This calculator specifically accounts for UAE Central Bank down-payment regulations. It adjusts based on your residency: UAE Nationals (15-20%), Expatriate Residents (20-25%), Non-Residents (35-40%). These rules directly impact your LTV and monthly EMI.
How is this different from the Mortgage Calculator page?
The Mortgage Calculator is a general-purpose tool. This Home Loan Calculator page is specifically designed for UAE applicants with detailed information on UAE home loan rules, DBR calculations, fees, eligibility requirements, and buyer profiles. It helps you understand what banks look for.
Does this include DBR (Debt Burden Ratio)?
Yes. This page explains DBR calculations: (Existing EMIs + New EMI) / Monthly Income × 100. UAE banks approve loans only if DBR ≤ 50%. Use this calculator alongside your existing debts to understand your DBR impact.
What down payment gets the best rate?
Higher down payment always yields better rates. 35%+ down payment typically secures the lowest interest rates across banks. Even 5% increase (from 20% to 25%) can save you thousands in interest over the loan tenure.
Does EIBOR affect EMI?
Yes, but only for variable-rate mortgages. Fixed-rate mortgages have locked interest rates. If you choose a variable rate tied to EIBOR, your EMI can fluctuate based on 3M or 6M EIBOR changes. Ask your bank about fixed-rate options.
What documents do I need for pre-approval?
Basic requirements: Emirates ID, passport, 6 months bank statements, salary certificate, recent salary slips (last 6 months), credit score verification (650+), down payment proof, and property details. Self-employed applicants need additional business documentation.