← Back to Blog
💰 Finance
Home Loan Calculator UAE — Free Mortgage Calculator for Dubai and Abu Dhabi
June 2026 · 5 min read · By Age Calculator Team
Planning to buy a property in the UAE? Use our free home loan calculator to find out your exact monthly mortgage payment in AED. Works for all UAE banks including Emirates NBD, ADCB, Mashreq and FAB.
UAE Home Loan Key Facts (2026)
| Detail | Information |
|---|
| Typical Interest Rate | 3.5% – 5.5% per annum |
| Maximum Loan Duration | 25 years |
| Minimum Down Payment (Expat) | 20% of property value |
| Minimum Down Payment (UAE National) | 15% of property value |
| Maximum Age at Loan End | 65 years (salaried), 70 years (self-employed) |
Example: AED 1,000,000 Home Loan
If you borrow AED 1,000,000 at 4.5% annual interest for 20 years:
- Monthly EMI: approximately AED 6,326
- Total amount paid: approximately AED 1,518,240
- Total interest paid: approximately AED 518,240
In the UAE, home loans are typically offered at variable rates linked to EIBOR (Emirates Interbank Offered Rate). Your monthly payment may change if interest rates rise or fall.
Top UAE Banks for Home Loans
- Emirates NBD — Popular choice with competitive rates
- ADCB — Good options for UAE nationals
- Mashreq Bank — Fast approval process
- First Abu Dhabi Bank (FAB) — Large loan amounts available
- HSBC UAE — Good for expats with international income
Steps to Apply for a Home Loan in UAE
- Check your eligibility — minimum salary AED 15,000/month for most banks
- Get a pre-approval letter from the bank
- Find your property and sign the sale agreement
- Submit full documents to the bank
- Bank completes property valuation
- Loan is approved and disbursed
Required Documents
- Valid passport and UAE visa copy
- Emirates ID
- Last 3 months salary slips
- Last 6 months bank statements
- Property documents (title deed or sale agreement)