UAE Mortgage Calculator
Fixed/Variable · Central Bank of UAE · AED
Mortgage Details
AED
AED
LTV: 90%
Typical: 4.5% (Fixed/Variable) · Central Bank of UAE
ℹ UAE: UAE mortgages available up to 25 years. LTV typically 80% for expats, 85% for UAE nationals. No income tax in UAE.
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📋 Mortgage Types
Fixed rate, Variable (EIBOR-linked), Offset, Islamic (Ijara/Murabaha)
🏦 Key Lenders
ADCB, Emirates NBD, FAB, DIB, Mashreq, HSBC UAE, Standard Chartered
📊 Down Payment
20% min expats · 15% UAE nationals · Off-plan: 50% often required
💰 Extra Costs
DLD fee 4%, agent 2%, mortgage registration 0.25%, valuation AED 2,500
🏠 Avg Property Price
AED 1.5M (Dubai) · AED 1.2M (Abu Dhabi) · off-plan 20-30% cheaper
📅 Eligibility
Salary AED 15,000/month min · max age 65 at maturity (UAE nationals 70)
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