§ Tool 02 · Ledger

Finance the
Dubai purchase.

Conventional EIBOR-priced loans, Sharia-compliant Ijara/Murabaha, or a ready-property remortgage. We model the monthly payment, total interest and the cash you actually need at signing.

  • 25 yrmax tenure
  • 20%min deposit
  • CBUAEregulated

Input · structure

Loan structure.

Property & deposit

AED
300K5M10M20M
%

Min 20% residents · 40% non-residents

yrs

CBUAE max 25 years

Rate & fees

%

~4.85% · Q1 2026

%

Typical 1.25–2.0% over EIBOR

AED

Typically 0.5–1% of loan amount, often waived on promotions.

Live recalculation

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Cash on day one

What you actually wire at signing.

The deposit is just the headline. Below is the full ledger of fees the buyer covers at handover — DLD, mortgage registration, bank arrangement, valuation.

Line item Basis Amount
Down payment Equity contribution AED 412,500
DLD transfer fee 4% of price AED 66,000
DLD admin Fixed AED 4,200
Mortgage registration 0.25% of loan + 290 AED 3,385
Bank valuation Approx. AED 2,500
Bank arrangement fee From input AED 0
Total cash at signing AED 488,585

Amortization

How principal & interest split over time.

In year one, ~80% of every payment is interest. By year fifteen, the split inverts. The visualisation below tracks that crossover for your numbers.

Year Principal Interest Balance Split

Reference · 2026

Dubai rate guide.

EIBOR · 3-month

~4.85%

CBUAE benchmark

Bank spread

1.25–2.0%

Above EIBOR

Effective rate

6.1–6.85%

Variable, residents

Fixed intro

4.5–5.5%

1–3 year promo

Islamic profit

6.0–7.0%

Ijara / Murabaha

Max tenure

25 yrs

CBUAE cap

Q&A

Frequently asked.

  • 01 What is the current mortgage rate in Dubai?
    Conventional rates in 2026 are EIBOR + 1.25%–2.0%. With 3-month EIBOR around 4.85%, effective variable rates run 6.1%–6.85%. Fixed introductory periods of 1–3 years are commonly priced at 4.5%–5.5%.
  • 02 How much down payment is required?
    UAE residents: 20% minimum for properties under AED 5M, 30% above. Non-residents: 40% minimum, regardless of price. These are CBUAE-mandated floors; banks may require more on certain products.
  • 03 What is an Islamic mortgage?
    Sharia-compliant financing structured as Ijara (lease-to-own) or Murabaha (cost-plus sale). No interest is charged — a profit rate replaces it. Monthly payments are calculated identically to conventional; the legal structure differs.
  • 04 Can non-residents get a Dubai mortgage?
    Yes. Emirates NBD, Mashreq, RAKBANK, ADCB and others offer non-resident mortgages. Expect 40% minimum down, full income documentation from your home country, and rates ~0.5–1% above resident pricing.
  • 05 What is EIBOR and why does it matter?
    EIBOR (Emirates Interbank Offered Rate) is the UAE benchmark, similar to SOFR. Most Dubai mortgages price as EIBOR + a fixed spread. When EIBOR moves, your variable-rate payment moves with it — typically reset every 3, 6 or 12 months.