What is the maximum LTV for a mortgage in the UAE?

UAE Central Bank regulations cap LTV at 80% for expatriates buying a first property (AED 5m or less) and 85% for UAE nationals. For subsequent properties, the cap is 60–65%.

Are UAE mortgage rates fixed or variable?

Most UAE mortgages use a floating rate structure based on EIBOR (Emirates Interbank Offered Rate) plus a bank margin. Fixed introductory periods of 1–5 years are available.

UAE Home Mortgage Calculator

Calculate monthly mortgage repayments for UAE property purchases. UAE Central Bank caps mortgage lending at 80% LTV for expats (first property) and 85% for nationals. Typical rates 4–6% with EIBOR + margin floating structure.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Calculate monthly mortgage repayments for UAE property purchases. UAE Central Bank caps mortgage lending at 80% LTV for expats (first property) and 85% for nationals. Typical rates 4–6% with EIBOR + margin floating structure. Use the uae mortgage result to inform your calculation.

Related Calculators

Saudi Mortgage

Finance

LTV Ratio

Finance

DSCR Calculator

Finance

UAE Home Mortgage Calculator

How to Use

Related Calculators

Frequently Asked Questions

What is the maximum LTV for a mortgage in the UAE?

Are UAE mortgage rates fixed or variable?