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Rules & fees as of July 2026

BuyeriCBUAE loan-to-value caps differ by buyer: UAE nationals can finance up to 85% of a first home under AED 5M, expat residents up to 80%.

PropertyiFirst homes get the highest LTV cap. Second or investment homes are capped at 60% (expats) or 65% (nationals), and above AED 5M the first-home cap drops by 10 points.

StatusiOff-plan purchases are capped at 50% financing for all buyers, whatever the price. Ready properties follow the standard LTV caps.

Emirate (fees)iSets the purchase fees only: Dubai charges a 4% DLD transfer fee, most other emirates around 2%. CBUAE lending caps are federal and identical everywhere.

EmploymentiThe loan must be fully repaid by age 65 if salaried or 70 if self-employed, which can shorten your maximum tenure.

Monthly income AED

Existing monthly installments AED

Credit card limitsiBanks count 5% of your total card limits as a monthly commitment, per CBUAE convention. AED

Cash availableiYour total cash for the purchase. It covers the down payment plus all upfront fees, and the calculator finds the highest price it supports. AED

Your age

Interest rate 4.50%

Indicative, July 2026: fixed intros ≈ 3.9–4.75%; variable ≈ EIBOR + 1.5–2%.

TenureiCBUAE caps mortgage tenure at 25 years, and the loan must end by age 65 (salaried) or 70 (self-employed). Your age can shorten the usable tenure. 25 yrs

CBUAE caps mortgages at 25 years, ending by age 65 (salaried) or 70 (self-employed).

Down paymentiThe minimum is set by the CBUAE LTV cap for your profile. Choosing more than the minimum shrinks the loan and monthly payment but needs more cash upfront. 20% (minimum)

Minimum for this profile: 20%.

01Results

Your maximum property price.

You can buy up to

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Monthly paymentiStandard equal monthly installment at your chosen interest rate over the effective tenure, after any age cap.

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Loan amount

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Down payment

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02Upfront costs

What you pay upfront.

The full closing bill at your maximum price of –.

Item	Basis	Amount

Fees as % of priceiAll purchase fees (transfer, registration, agency, valuation and bank charges) as a share of the maximum price. Excludes the down payment.

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Effective cash-to-price ratio

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down payment + fees ÷ price

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Sources

Regulatory limits (LTV caps, the 50% DBR ceiling, the 7×/8× income multiple, the 25-year tenure and age limits): CBUAE Regulations Regarding Mortgage Loans, Circular No. 31/2013, as amended in March 2020 under the Targeted Economic Support Scheme; these apply federally in every emirate. Fees: Dubai Land Department fee schedule (4% transfer + AED 580, registration-trustee fees, 0.25% mortgage registration + AED 290); Abu Dhabi DMT fee schedule (2% transfer, 0.1% mortgage registration); Sharjah Real Estate Registration Department (2% buyer registration, with 1% charged separately to the seller, plus title-deed and admin fees); Ajman Department of Land and Real Estate Regulation via ajman.ae (2% sale registration paid by the buyer, AED 350 title deed). Ras Al Khaimah, Fujairah and Umm Al Quwain transfer fees (about 4%, customarily shared with the seller), and all Sharjah/Ajman/RAK/northern-emirates mortgage-registration and admin figures, are indicative values from market guides, not verified official tariffs. Valuation and bank arrangement fees are indicative bank tariffs. Interest rates shown are indicative market ranges. All figures as of July 2026.

Educational tool only: not financial, legal or tax advice, and not a lending offer. Regulatory limits reflect CBUAE mortgage regulations and emirate fee schedules as of July 2026; several emirate fees are indicative, and rates shown are indicative market ranges. Banks apply their own credit policies, income definitions and fee tariffs. Always verify the final numbers with your bank and the land department or municipality of the emirate you are buying in before committing.

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