Decision Lab · Mortgage
How Much Will This Property Really Cost With a Mortgage?
A mortgage decision is more than a monthly instalment. Understand the cash required upfront, the monthly repayment, the total financing cost and the remaining balance over time — before deciding which property and loan structure make sense.
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Best Real Estate Agent – Dubai
Arabian Property Awards Winner 2026–2027
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20+ Years
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Founder & CEO — FIMCO Real Estate
2,500+ personal advisory clients · 15+ countries
Mortgage Calculator
Understand your monthly repayment, initial cash requirement and total financing position before choosing the property.
How to use this calculator
- 01Enter the propertyPrice, down payment, interest rate and term.
- 02Set your horizonChoose the year to review balance and equity.
- 03Read your mortgage planMonthly payment, cash to close and equity.
- 04Go deeper on demandOpen the journey, chart and full schedule.
Results
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Finance the right asset
The question is not only “can I get the mortgage?”
The better question is: which property makes the mortgage make sense? Two properties can share the same price and instalment but differ completely on rental demand, service charges, vacancy, resale liquidity and capital growth.
- Same price, different outcomeIdentical purchase price and monthly payment can hide very different net rent, running cost and exit liquidity.
- Finance the asset, not the listingThe strongest strategy identifies a property where price, financing, rent and exit work together — not simply the largest available loan.
- Plan property and finance togetherThe mortgage should fit your life, not stretch it — cash to close, repayment, ownership cost and the buffer you keep afterwards.
From budget to keys: how the mortgage process works
A typical Dubai mortgage journey. Approval is never guaranteed — each stage depends on the lender, the property and your circumstances.
Check affordability
Understand cash, income, liabilities and a workable monthly repayment.
Mortgage pre-approval
Establish indicative borrowing capacity before committing to a property.
Select the right property
Match the price and asset to the approved budget and your objective.
Valuation
The lender assesses the property and the acceptable finance value.
Final mortgage approval
Final bank terms and mortgage documents are completed.
Transfer + disbursement
Mortgage registration, transfer and lender disbursement are coordinated.
Own the property
Complete transfer and begin the ownership plan.
Can the right property help carry its own mortgage?
For an investment property, the objective is not the largest loan — it is a property where rental demand, net rent, service charges, price, financing and exit liquidity work together.
- Property strategyHelp me find a property that fits this mortgage and objective.Find me a property that fits
- Mortgage supportFor pre-approval, lender comparison and application, Raj can coordinate an introduction to an appropriate mortgage specialist.Connect me with a mortgage specialist
- AffordabilityCheck how much your income and liabilities may allow you to borrow.Check my borrowing capacity
Methodology, assumptions & sources
Show methodology, assumptions & official sources
Method & assumptions
Standard reducing-balance amortisation: payment = P·r·(1+r)^n / ((1+r)^n − 1), where r = annual rate ÷ 12 and n = years × 12. Equity before market movement = purchase price − outstanding balance, so it never assumes appreciation. Any appreciation projection is shown separately. Buying costs are stage-aware (Ready vs Off-plan) and editable. The optional profile check compares the loan against CBUAE debt-service (DSR/DBR, 50% general ceiling; 60% only for a UAE-National government-guaranteed housing programme), the applicable LTV band, and the income multiple; CBUAE mortgage providers typically apply a 2–4 percentage-point stress buffer.
- Fixed nominal rate over the full term (no rate resets modelled); maximum mortgage tenor 25 years (CBUAE).
- Registration / DLD fee defaults to 4% of the price and is editable; mortgage registration is 0.25% of the loan.
- Bank arrangement/processing (VAT applies only when charged) and valuation fees are indicative, editable planning assumptions.
- Off-plan is capped at 50% LTV; non-resident LTV is bank-specific (an editable 50% planning figure, not a CBUAE cap).
- Rental coverage is illustrative and does not imply the tenant pays your mortgage.
Official regulatory basis
Official government & regulatory sources
- Central Bank of the UAEMortgage lending framework — applicable LTV, debt-burden ratio and maximum-tenor regulatory limits where relevant to the model.View CBUAE source
- Dubai Land DepartmentOfficial Dubai property registration, mortgage registration, trustee / service-partner charges, title deed and unified map government fees.View DLD source
- Federal Tax Authority (UAE)Value Added Tax basis: the 5% standard rate applied to commercial property and to taxable fees (e.g. bank processing), and input-tax recovery — recoverable in full where it relates to a taxable supply. Residential leases and second-hand residential sales are treated per FTA rules.View FTA VAT source
Formulas & methodology
- Raj Khaleel Decision Lab methodologyStandard reducing-balance mortgage amortisation, renter opportunity-cost logic, equity modelling and the year-by-year comparison — implemented transparently in this tool.
- Commercial costs are your editable assumptionsBrokerage, bank arrangement, valuation, conveyancing and insurance are not government-set. Enter your actual quote or use the clearly-labelled editable planning assumption — these are not official government charges.
This calculator is an educational estimate, not mortgage pre-approval. Actual lender rates, valuation, approved LTV, DSR treatment, income acceptance, fees, age-at-maturity policy and credit decisions vary by bank and borrower profile.
Decision tools by Raj Khaleel — Best Real Estate Agent – Dubai, Arabian Property Awards Winner 2026–2027.