Dubai property calculators

Run the numbers before you view.

Four quick tools for buyers and investors: monthly mortgage payments, the full cash you need on the day, rental yield and how much a UAE bank may lend you. Built with Dubai fees and rules, updated October 2026.

Mortgage Buying costs Rental yield Affordability

01 · Mortgage

Monthly mortgage payment

Property price (AED) Buyer profile Loan amount:

Interest rate (% a year)Term (years)

Estimated monthly payment

Loan amount

Down payment

Total interest over the term

Cash needed on the day (down payment + fees)

Get mortgage options on WhatsAppEstimate only. Banks set the final rate, fees and loan amount after checking your income and the property valuation. Maximum loan-to-value limits follow UAE Central Bank rules; a bank may offer less.

02 · Buying costs

What you pay on top of the price

Property price (AED) Property type Paying with

Total cost including fees

Get an exact cost sheetGovernment fees as published by Dubai Land Department; agency commission shown at the market-standard 2% + 5% VAT for resale (no commission charged to buyers on most developer launches). Confirm the final figures before you transfer money.

03 · Rental yield

What the property really earns

Purchase price (AED) Annual rent (AED)

Size (sq ft)Service charge (AED / sq ft / year)

Management (% of rent)Empty months per year

Net yield

Gross yield

Rent received after empty months

Service charge

Management & maintenance

Net income per year

Ask for rent evidence in this buildingCheck a building’s actual service charge in the Dubai Land Department service charge index before you buy. Yields here are before mortgage costs and tax in your home country.

04 · Affordability

How much could a UAE bank lend you?

Monthly income (AED) Existing monthly loan & card payments (AED)

Interest rate (%)Term (years)

Down payment available (AED)

Indicative maximum loan

Monthly payment at that loan

Indicative property budget

Check my eligibilityBased on the UAE Central Bank rule that total monthly debt payments should not exceed 50% of income, and an 80% maximum loan for a resident expat’s first home under AED 5M. Banks also apply their own stress rates and income rules.

Buying from India?

See your total cost in rupees, the TCS your bank collects and how LRS limits apply.

India cost calculator →

Where prices are heading

Transactions, prices and rents across Dubai this year, from official sources.

Read the market report →

Golden Visa from AED 2M

How property can qualify you for a 10-year UAE residence visa, including with a mortgage.

Golden Visa guide →

Questions

Mortgages and costs, answered

How much deposit do I need to buy in Dubai?

UAE residents buying their first home under AED 5 million need at least 20% of the price (15% for UAE nationals). Above AED 5 million it is 30%, and for a second property it is 40%. Non-residents usually need 40–50%, and off-plan purchases with a mortgage need at least 50%. You also need about 6–7% of the price in fees on top.

What fees do I pay when buying a resale property?

The main costs are the Dubai Land Department transfer fee of 4% of the price, a title deed fee, the registration trustee fee, and agency commission (usually 2% plus VAT). With a mortgage add the mortgage registration fee (0.25% of the loan), bank arrangement and valuation fees.

Can non-residents get a mortgage in Dubai?

Yes. Several UAE banks lend to non-residents, usually up to about 60% of the value for ready homes and 50% for off-plan, with income documents from your home country. Approval terms vary by bank and nationality.

What is the maximum mortgage term in the UAE?

Up to 25 years, and the loan normally has to end before you reach 65 if employed or 70 if self-employed.

What is a good rental yield in Dubai?

Gross yields of 6–8% are common for apartments in established communities, with villas usually lower. Always look at the net yield after service charges, management and empty months — this calculator shows both.