Skip to content
Check eligibility
● Marker Finance calculators

UAE mortgage calculator: your monthly payment

Estimate your monthly mortgage payment (EMI), total interest and repayment schedule based on the property price, down payment, rate and term.

Currency

EMI Calculator

Comprehensive mortgage analysis with payment breakdown.

Loan Amount AED 1,200,000
%Interest Rates
Example rate. Type the rate your bank has offered you.
Insurance Options
Transaction Costs

1. Property Transaction Cost

2. Mortgage Transaction Cost

DBR Policy Settings

Total Payment Breakdown

Principal Amount0
Total Interest0
↳ Fixed Rate Period0
↳ Variable Rate Period0
Total Payment0

Cost Distribution

Total PaidAED 0

    Payment Composition Over Time

    Amortization Schedule

    PeriodEMIInterestPrincipalInsuranceBalance

    Smart Tips & Insights

    How the monthly payment is calculated

    The calculator uses the standard reducing-balance formula: each month you pay interest on the outstanding balance plus part of the loan itself. If you choose a fixed rate followed by a variable rate, it recalculates the payment when the rate changes.

    What the result doesn't include

    Banks add their own fees, property and life insurance, and they stress-test your affordability at a higher rate. Use the result as a guide, then ask us for a quote based on real lender terms.

    ● Frequently asked

    Questions about this calculator

    1What down payment do I need in the UAE?
    Under Central Bank rules, an expat buying a first home under AED 5 million can borrow up to 80% (so at least 20% down). Above AED 5 million the maximum loan is 70%. UAE nationals can borrow up to 85% and 75% respectively. Off-plan property is capped at 50%.
    2What interest rate should I use?
    Use a rate from a current bank offer if you have one. Rates change often and depend on your profile, so we don't publish rates. Ask us for the current options for your case.
    3What's the longest term I can choose?
    25 years is the maximum under Central Bank rules. Lenders also set an age limit at the end of the loan.
    ● RelatedHome LoansVillas, apartments & townhouses● RelatedMortgage Pre-ApprovalKnow your budget first● RelatedOff-Plan & HandoverFinance at handover
    ● Need some help?

    We're just a message away.

    WhatsApp us

    Send a quick note about your plans. We usually reply within minutes during office hours.

    Message us →

    Call us

    Mon–Fri 9:00 am – 6:00 pm, Sat 10:00 am – 4:00 pm (Gulf Standard Time). Closed Sundays and UAE public holidays.

    +971 4 320 4500

    Check your eligibility

    Answer four quick questions and an adviser will tell you what's realistic for your income and plans.

    Start now →