Home Loan EMI Calculator UAE
Use this UAE mortgage calculator to model your monthly payment before you apply. Change the rate, tenure, and down payment to see how your EMI, total interest, and payoff timeline move. Figures are illustrative and depend on lender approval.
Mortgage Calculator
Estimate your monthly mortgage payments for UAE properties. Edit values or drag sliders to see live results.
Get Pre-ApprovedYour Details
Down payment % and AED sync automatically.
Guidance: For property ≤ AED 5M, typical max LTV ~80% for expats, ~85% for UAE nationals. Actual eligibility varies by bank.
Your Results
Optional: Estimate Dubai Acquisition Fees
Figures vary by emirate, lender, and deal. Edit the defaults above to match your case.
Amortization Schedule
| Month | EMI (AED) | Principal | Interest | Balance |
|---|
Showing first 12 months. Use “Show All” to expand the full schedule.
How the UAE Home Loan EMI Is Calculated?
Your EMI (Equated Monthly Instalment) is the fixed monthly amount you pay to the bank. It combines principal and interest. The formula uses your loan amount (property price minus down payment), monthly interest rate, and total number of months. When you extend the tenure, the EMI usually drops, but total interest paid increases. Increasing your down payment lowers both EMI and LTV, which can help with bank approval.
How to Use This Mortgage Calculator?
- Enter the property value and your down payment—try both % and AED.
- Set the interest rate and tenure to match your offer or a scenario.
- Choose your residency for general LTV guidance.
- Toggle Dubai fees to see indicative upfront costs.
- Review the amortization table to understand your first year of payments, then expand the full schedule.