Home Loan Calculator Dubai

Use Home Loan Calculator for Dubai to calculate mortgage payments, interest rates, and loan terms. Perfect for planning property purchases in Dubai.

Home Loan Calculator Dubai

Property Price (AED)

E.g., 2,000,000 AED

Down Payment (AED)

25% = 500,000 AED

Loan Tenure (Years)

Max 25 yrs

Interest Rate (% p.a.)

E.g., 3.5%

Bank Fees (AED)

Usually 4,000–10,000 AED

Monthly Salary (AED)

E.g., 25,000 AED

Enter details to calculate…

Estimates Dubai home loan EMI, total cost, and eligibility (2025). Uses reducing balance method. DBR ≤50% of salary. Down payment ≥20% (UAE nationals) or 25% (expats). Max tenure 25 yrs (nationals), 15 yrs (expats). Includes bank fees. Actual offers vary by bank, credit score, and nationality.

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Dubai Home Loan Calculator – Mortgage Estimator

A Home Loan Calculator for Dubai is an essential tool for prospective homebuyers in the UAE, enabling them to estimate monthly mortgage payments, total interest, and affordability for properties in Dubai’s dynamic real estate market. By inputting details like property price, down payment, interest rate, and loan term, users can assess financing options from banks like Emirates NBD, ADCB, or Mashreq, ensuring purchases align with their financial goals.

The calculator uses the EMI formula: EMI = [P × R × (1+R)^N] / [(1+R)^N – 1], where P is the principal (property price minus down payment), R is the monthly interest rate, and N is the term in months. For example, a AED 2,000,000 property with a 20% down payment (AED 400,000), 4.5% interest, and 25-year term results in an EMI of about AED 8,916, with total interest around AED 1,074,800. UAE regulations require 20% down payments for expats (15% for UAE nationals) and a debt-to-income ratio below 50%.

Benefits include budgeting clarity, comparing lender offers, and factoring in costs like Dubai Land Department fees (4% + AED 580). Advanced calculators include property taxes, insurance, or valuation fees.

For accuracy, verify rates (3.5–6% as of August 2025) with banks, include fees (e.g., 1% processing), and confirm property values. Test scenarios with different terms or down payments.

For UAE residents and expatriates dreaming of owning a home in Dubai, understanding mortgage affordability and monthly payments is crucial. A Home Loan Calculator Dubai estimates your Equated Monthly Installments (EMIs), total interest, and eligibility based on loan amount, interest rate, tenure, and down payment. GCalculate.com offers a free, user-friendly Home Loan Calculator Dubai, designed to simplify property financing decisions for buyers in Dubai’s dynamic real estate market.

What is a Home Loan Calculator Dubai?

A Home Loan Calculator Dubai is an online tool that calculates monthly mortgage payments (EMIs) and total loan costs for properties in Dubai, using the formula:

EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]

where P is the principal (loan amount), R is the monthly interest rate (annual rate ÷ 12), and N is the number of monthly installments. It accounts for Dubai-specific factors like loan-to-value (LTV) ratios (up to 85% for UAE nationals, 80% for expatriates), interest rates (e.g., 3.99–6.65% p.a. in 2025), and tenures up to 25 years. GCalculate.com calculator aligns with offerings from Emirates NBD, Mortgage Finder, and First Abu Dhabi Bank, providing accurate estimates for Dubai property purchases.

Home Loan Calculator Dubai is a powerful, free tool for UAE residents and expatriates planning to buy property in Dubai. By estimating EMIs, total interest, and affordability based on 2025 rates and Central Bank regulations, it simplifies financial planning and lender comparisons. Whether you’re eyeing a villa in Palm Jumeirah or an apartment in Business Bay, this user-friendly tool empowers you to make informed decisions.