Calculators

How much deposit a Dubai mortgage needs

An expat resident buying a first home under AED 5M can borrow up to 80% of the value. Off-plan is capped at 50% for everyone, and non-resident lending is a bank habit rather than a rule.

  • Free, no account
  • Nothing you type leaves your browser
  • Rules checked 2026-08-25

Your details

Who is buying
Ready or off-plan
Is this your first Dubai property
Your own quoted rate. UAE rates are often fixed for an introductory period, then revert.

Deposit you need

AED 300,000

80% of value is the maximum here, so the largest mortgage is AED 1,200,000. First home under AED 5M.

  • Maximum loanAED 1,200,000A Central Bank ceiling. Your own bank may lend less once it has looked at your income.
  • Monthly repaymentAED 6,501At 4.25% over 25 years, on the maximum loan. Not a quote.
  • Interest over the full termAED 750,257If the mortgage runs to the end at that rate throughout.
DepositAED 300,000

Fees are on top. The 4% transfer fee and the agency commission cannot be added to the loan, so budget them as cash alongside the deposit. The purchase cost calculator totals them.

How this works

  • The Central Bank sets loan-to-value as a maximum share of the property's value. For a resident expat that is 80% on a first home under AED 5M and 70% above it; a UAE national gets about five points more; a second or subsequent property is capped lower.
  • Off-plan is capped at 50% for every buyer, whoever they are.
  • There is no Central Bank cap for non-residents at all. Lenders typically advance 50% to 65%, which is practice rather than regulation and is shown as such.
  • These are ceilings, not offers. An individual bank routinely lends less once it has looked at your income and your other commitments.
  • The monthly figure is the standard repayment calculation on the loan, rate and term you enter. It is not a quote, and rates in the UAE are commonly fixed for an introductory period before reverting.

What it assumes

  • Deposit and fees are separate. Since 1 February 2025 the transfer fee and agency commission cannot be added to the loan, so budget them as cash on top.
  • Bank arrangement fees, valuation, and life and property insurance are excluded, because they vary by lender.
  • This is general information, not financial advice or a mortgage offer.

Rules last checked 2026-08-25. This is general information, not advice, and the calculation runs entirely in your browser. This page as plain markdown: /tools/dubai-mortgage-deposit.md.

The other calculators

BuyingWhat buying in Dubai actually costs to closeThe 4% transfer fee, the fees around it, and the cash you need on registration day.ResidencyDoes this property qualify for a Golden VisaThe AED 2M threshold, what joint and mortgaged ownership change, and the route below it.RentingHow much your Dubai rent can legally riseThe legal cap on your renewal, from the Decree 43 bands and the DLD index average.

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