Mortgage Calculator with DLD Fees

Calculate your monthly mortgage payments, Dubai Land Department fees, and total property costs for UAE real estate.

UAE Compliant
DLD Fee Included
Full Breakdown

Property & Loan Details

Enter your mortgage information

AED
Total price of the property
%
Minimum 20% for expats, 15% for UAE nationals
%
Current UAE mortgage rates: 3.5% - 6%
Years
Maximum 25 years (up to age 65 for expats)
DLD & Additional Fees
Monthly Payment (EMI) AED 5,272
Loan Amount AED 800,000
Down Payment AED 200,000
Total Interest AED 781,600
DLD Fees (4%) AED 40,000
Other Fees AED 10,000
Total Amount Payable AED 1,631,600

Cost Breakdown

Principal
Interest
Fees
Principal: 49%
Interest: 48%
Fees: 3%

Understanding UAE Mortgage & DLD Fees

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EMI Formula

EMI = [P × R × (1+R)^N] / [(1+R)^N - 1]

P = Loan amount (Principal)
R = Monthly interest rate (Annual Rate/12/100)
N = Number of monthly installments (Years × 12)

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DLD Fees Breakdown

  • DLD Transfer Fee: 4% of property value
  • Admin Fee: AED 4,000 (approx.)
  • Trustee Fee: AED 2,000 - 4,000
  • Mortgage Registration: 0.25% of loan amount
  • Property Valuation: AED 2,500 - 3,500
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UAE Mortgage Rules

  • Expats: Minimum 20% down payment
  • UAE Nationals: Minimum 15% down payment
  • Maximum LTV: 80% for expats, 85% for nationals
  • Maximum Term: 25 years (up to age 65 for expats)
  • Debt Burden Ratio: Maximum 50% of income
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Interest Rates 2026

  • Fixed Rate: 3.5% - 5.5% per annum
  • Variable Rate: 4.0% - 6.0% per annum
  • First-time buyers: May get 0.25% discount
  • UAE Nationals: May get special rates

Frequently Asked Questions

What are DLD fees in Dubai?

DLD (Dubai Land Department) fees are charges for property registration in Dubai. The main fee is 4% of the property purchase price, plus additional admin fees of approximately AED 4,000 and trustee fees of AED 2,000-4,000.

How much down payment do I need in UAE?

Expats need a minimum of 20% down payment, while UAE nationals need 15%. For properties above AED 5 million, expats need 30% down payment.

What is the maximum mortgage term in UAE?

The maximum term is 25 years, but for expats, the loan must be repaid before age 65. UAE nationals may get up to 65 years of age or retirement.

Can I get a mortgage as an expat in UAE?

Yes, expats can get mortgages in UAE with a minimum 20% down payment. You'll need proof of income, bank statements, passport copy, visa copy, and salary certificate.

What are the current mortgage rates in UAE?

As of 2026, fixed rates range from 3.5% to 5.5% per annum, while variable rates are typically 4.0% to 6.0%. Rates vary by bank, loan amount, and borrower profile.

What is included in the total mortgage cost?

Total cost includes: loan principal, interest payments, DLD fees (4%), admin fees (AED 4,000), trustee fees (AED 2,000-4,000), mortgage registration (0.25% of loan), and property valuation fees (AED 2,500-3,500).