Real Mortgage | UAE Financial Calculators

Mortgage Details

Estimate payments and upfront costs. Minimum down payment adjusts by selection.

Property's Purchase Price (AED)

Your Residency Status

Property Type

Down Payment (%)

Minimum required: 20%

Mortgage & Cost Assumptions

Loan Duration (Years)

Annual Interest Rate (%)

Real Estate Agency Fee (%)

Of property price. 5% VAT applies.

Mortgage Processing Fee (%)

Of loan amount. 5% VAT applies.

Property Valuation Fee (AED)

Bank's fee.

Emirate

Affordability Calculator

Estimate your property budget based on cash, income, debts, and bank stress testing.

Financial Inputs

Total Available Cash (AED)

Cash for down payment and all upfront closing costs.

Your Gross Monthly Salary (AED)

Total Monthly Debt Commitments (AED)

E.g., car loans, credit card minimums, other personal loans.

Mortgage Assumptions

Desired Loan Duration (Years)

Your Residency Status

Desired Property Type

EIBOR Rate (%)

Current Emirates Interbank Offered Rate. This rate is a benchmark for variable-rate mortgages.

Bank Mortgage Margin (%)

Mortgage Stress Test Adder (%)

Upfront Cost Assumptions

Real Estate Agency Fee (%)

Of property price, 5% VAT applies to fee.

Mortgage Processing Fee (%)

Of loan amount, 5% VAT applies to fee.

Property Valuation Fee (AED)

Loan Amortization Details

Total Loan Amount (AED)

Annual Interest Rate (%)

The yearly interest rate for this loan.

Loan Duration (Years)

Total term for repaying this loan.

Amortization Schedule

View your loan repayment breakdown over time.

Display Options:

Full Schedule

Annual Summary

Next 12 Months

Please generate a schedule to view data. Ensure loan amount and term are greater than zero, and interest rate is not negative.

Property Sale Scenario

Original Property Purchase Price (AED)

Initial Down Payment on Purchase (%)

Original Mortgage Duration (Years)

Mortgage Annual Interest Rate (%)

Investment Period (Years Held)5 Years

How long you plan to own before selling.

Expected Annual Property Appreciation (%)3%

Your estimate for average annual value change.

Selling Costs (% of sale price)2%

Covers agent fees, DLD for seller (if applicable). Mortgage exit fees are added automatically.

Rental Income & Yield Analyzer

Property's Purchase Price (AED)

Expected Gross Annual Rental Yield (%)

Enter the typical gross annual yield for similar properties in the area to estimate potential rent.

Annual Operating Expenses

Annual Property Insurance (AED)

Defaults to 0.5% of property price. Enter your specific annual cost if different.

Annual Maintenance & Service Charges (AED)

Repairs, service fees. 0 if N/A.

Other Annual Property Expenses (AED)

e.g., Management fees. 0 if N/A.

Rent vs. Buy Analyzer

Compare the financial implications of renting versus buying a property over time.

Common Assumptions

Analysis Period (Years)

How long you plan to compare for.

Avg. Annual Investment Return (%)

Return if you invested cash instead (e.g., down payment).

Buying Scenario

Property Purchase Price (AED)

Down Payment (%)

Mortgage Interest Rate (%)

Mortgage Loan Term (Years)

Annual Home Insurance (AED)

Annual Maintenance & Service Charges (AED)

Upfront Buying Costs (% of Price)

DLD, agency, mortgage fees etc.

Selling Costs (% of Future Price)

Agent fees etc. upon sale.

Expected Annual Property Appreciation (%)

Renting Scenario

Initial Annual Rent (AED)

Expected Annual Rent Increase (%)

One-Time Non-Refundable Rental Fees (AED)

Rental agent commission etc. (e.g. 5% of annual rent)

Annual Renter's Insurance (AED)

AI Market Insights Generator

Select the prevailing market conditions or your expectations for the UAE market. Our AI will analyze these factors and suggest relevant financial assumptions for your property investments.

Overall Economic Outlook

Property Demand Level

New Construction Activity

Interest Rate Trend

Relevant Government Policies/Initiatives (Optional)

Briefly mention any significant policies.

Other Key Observations/Notes (Optional)

Any other factors you believe are relevant.