Tools · Dubai
Dubai property calculators
The back-of-envelope calculations every buyer or tenant ends up doing. Done properly and with ease — because everyone hates a typo. Mortgages, borrowing power, rental yields, rent vs buy, renewal increases and transfer fees, all in one place.
Six calculators
Pick one and put in your numbers
Mortgage calculator
Price, deposit, rate and term in; the monthly repayment, the loan, the total interest and the cash you need on completion out — with the Central Bank’s deposit floor checked as you type.
Work out a repaymentHow much can I borrow?
Income, other repayments and deposit in; the most a UAE lender may advance out — the Central Bank’s loan-to-value cap, the 50% debt-burden ratio with its stress test, and the years-of-income limit, the binding one named — then the price it buys, the repayment, the fees, and every Dubai community whose median resale for your bedroom count sits under it.
Work out what you can borrowRental yield calculator
Price, rent, service charge and running costs in; gross yield, net yield, net income and payback out. The number every advert quotes beside the number you actually keep.
Work out a yieldRent vs buy calculator
Price, rent, deposit and the years you plan to stay in; the full cost of each path out, the year buying starts to cost less, and a year-by-year ledger of the two. It counts what it costs to get out again, which is the part that decides short stays.
Compare renting and buyingRent increase calculator
Your rent and what similar homes let for in; the increase Decree 43 of 2013 permits at renewal, the ceiling in dirhams, and the date ninety days’ notice is due by. The market figure is seeded from the Ejari register.
Work out a permitted increaseDLD fee calculator
A price, your side of the sale and whether there is a mortgage in; the 4% transfer fee, the deed, the trustee office, the mortgage registration and the commission out, itemised, with the department’s page and the date each figure was read from it.
Itemise the fees on a priceOn the day
What it costs to buy in Dubai
Everything a buyer pays on top of the price, in cash, on completion. The DLD figures are regulation; the rest is what the market does.
| Fee | Amount |
|---|---|
| DLD transfer feePaid by the buyer. Cannot be borrowed. | 4% of the price |
| Title deedIssued by the DLD at transfer. | AED 580 |
| Trustee officeAED 2,000 + VAT under AED 500,000. | AED 4,000 + VAT |
| Agency commissionConventionally 2%; 2.1% of the price all in. | 2% + VAT |
| Mortgage registrationOnly with a mortgage. Regulation. | 0.25% of the loan + AED 290 |
| Valuation and arrangementCommonly up to 1% of the loan plus VAT, and a valuation fee. | Varies by lender |
A cash purchase lands a little over 6% above the price. A mortgaged one adds the bank’s fees and the registration charge on top. The mortgage calculator adds it all up for a price of your choosing →
The DLD fee calculator itemises this table for any price, on either side of the sale →
Every fee explained, who pays it, and a worked example on two million →
The rules
How much deposit a Dubai mortgage needs
Set by the UAE Central Bank, not by the bank you borrow from. A lender may ask for more; it may not accept less.
| Buyer | Up to AED 5m | Above AED 5m |
|---|---|---|
| Expatriate, first home | 20% | 30% |
| UAE national, first home | 15% | 25% |
| Second or investment property | 35% | 35% |
| Off-plan, any buyer | 50% | 50% |
- The term runs to twenty-five years at most and must end by age 65, or 70 if you are self-employed.
- The repayment, with every other loan and card you carry, may not exceed half your monthly income.
- Early settlement is capped at 1% of the outstanding balance or AED 10,000, whichever is lower.