Select your buyer type and property status below — the suggested minimum down payment updates automatically based on real UAE lending limits, but you can override it. This gives you your real monthly payment and the full cash you need before you get the keys, not just the headline down payment number.
Suggested minimum down payment for a UAE National on a ready property under AED 5M: 20%.
Estimates only, for planning purposes. Actual rates, fees, and eligibility are set by individual banks and can vary. Excludes agent commission, DEWA, and moving costs — see the hidden costs guide for those.
This calculator gives you the numbers. The full guide explains the "why" behind them — LTV rules by buyer type, off-plan vs ready financing, required documents, and the mistakes to avoid.
Read the Full Mortgage Guide →Calculators give you a starting point. A 1:1 session gives you a real strategy — which banks are lending well to your profile right now, whether off-plan or ready makes more sense for you, and what your actual monthly number will look like.
Book a Private Call →This calculator is for informational and educational purposes only and does not constitute financial or lending advice. Actual mortgage terms are set by individual banks and subject to their own approval criteria.