Mortgage / Home Loan EMI Calculator (UAE)
Monthly repayment on a UAE mortgage in AED — CBUAE LTV caps, EIBOR-linked pricing and the 1% early-settlement fee cap.
Formula
Disclaimer: Indicative math for comparison only. Actual instalments vary with lender rounding, fees, insurance, daily vs monthly reducing methods and rate resets. This is not financial advice — confirm the final schedule with your lender.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need mortgage / home loan emi calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About Mortgage / Home Loan EMI Calculator (UAE)
This calculator prices a UAE home loan with the reducing-balance amortization formula — the exact monthly-rest math Emirates NBD, FAB, ADCB, Mashreq and other CBUAE-licensed banks use. With the default inputs (AED 1,200,000 borrowed at 4.25% for 25 years) it shows the instalment, the lifetime interest and a year-by-year split of principal versus interest, then recomputes instantly as you key in the offer actually in front of you. Central Bank of the UAE caps financing at 80% of value for expatriates' first home up to AED 5 million (85% for UAE nationals), with lower caps above that and for second properties — so budget 20%+ down plus the 4% DLD transfer fee in Dubai and ~2% agency commission. Most loans float over 1/3/6-month EIBOR after an initial fixed period of 1–5 years; when the fixed window ends the reversion rate can jump, which is the single biggest payment shock to plan for. UAE regulation caps early-settlement charges (commonly applied as up to 1% of the outstanding, subject to a cash cap) — far friendlier than many markets, so refinancing to a cheaper bank after your fixed period is routine and usually pays for itself within months. Salary-transfer mortgages price below non-salary-transfer ones; check whether the discount survives if you later move your salary account.
How to use Mortgage / Home Loan EMI Calculator (UAE)
- 1Enter Loan amount, Interest rate (per year, reducing balance) (%), Tenure (years) into the Mortgage / Home Loan EMI Calculator.
- 2The result is computed automatically using EMI = P · r · (1+r)^n / ((1+r)^n − 1) where r = annual rate ÷ 12, n = months — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use Mortgage / Home Loan EMI Calculator (UAE)?
- ✓Computes mortgage / home loan emi calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
How is the EMI on a UAE home loan calculated?+
Lenders apply EMI = P·r·(1+r)^n ÷ ((1+r)^n − 1). With the defaults here, P = AED 1,200,000, the monthly rate r = 4.25% ÷ 12 and n = 300 months. Early instalments are interest-heavy; the principal share grows each month as the outstanding balance falls — the schedule above shows that crossover year.
What deposit do I need to buy property in the UAE?+
For an expat's first purchase up to AED 5M: at least 20% down (CBUAE cap of 80% financing), plus roughly 6–7% in transaction costs — 4% DLD transfer fee in Dubai, trustee and mortgage-registration fees, valuation and bank arrangement fees. On the default AED 1.5M property that's about AED 400k cash before keys.
Fixed or EIBOR-floating — which should I choose?+
Short fixed periods (1–3 yrs) are cheapest but expose you to the reversion rate sooner. If you expect to hold the property long-term, model the EMI at the bank's current reversion margin over EIBOR — not the teaser — and confirm you can still pass your own affordability check at that higher figure.
Does choosing a longer tenure make the loan cheaper?+
No — it only shrinks the monthly outgo. Stretching the same AED 1,200,000 from 25 to 30 years cuts the EMI but raises lifetime interest substantially, because interest keeps accruing on a slowly-falling balance. Compare the "Total interest" figure at both tenures before signing.
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