Thinking of buying a home in Dubai? This free calculator shows your monthly mortgage payment plus the real upfront cash you need, including the DLD transfer fee, agency commission and mortgage registration.
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How mortgages work in the UAE
For expats, banks usually finance up to 80% of a property worth AED 5 million or less, so you need at least a 20% down payment (25% above AED 5M). On top of the down payment, budget for the one-off costs: DLD transfer fee (4% of the price), agency commission (2% plus 5% VAT), mortgage registration (0.25% of the loan) and a property valuation.
Loan terms run up to 25 years, and most banks cap the loan so repayments stay within about 50% of your monthly income.
This is general information, not financial advice, always verify current rates and rules with your bank.