🏠 Mortgage Calculator UAE
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📘 How Mortgage Payments are Calculated

  • The calculator uses the standard EMI formula considering your entered principal amount, annual interest rate, and tenure.
  • This helps you estimate monthly repayment obligations in the UAE.
  • ✅ Accurate monthly installment calculation
  • ✅ Displays total interest and total repayment
  • ✅ Based on reducing balance method

Mortgage Calculator UAE – Instantly Estimate Your Home Loan

If you’re planning to buy a home or invest in property in the UAE, knowing your monthly mortgage commitment is essential. Our free Mortgage Calculator UAE gives you an accurate estimate of your monthly payments, helping you make informed decisions whether you’re applying with Emirates NBD, HSBC, or browsing homes on Property Finder.

What is a Mortgage Calculator?

Here’s why this tool is valuable:

  • ✅ 100% free, instant results

  • ✅ UAE-specific calculation logic

  • ✅ Compare fixed vs. reducing interest rates

  • ✅ No login or signup required

  • ✅ Supports banks like HSBC, Emirates NBD, etc.

Whether you’re buying a villa in Dubai or an apartment in Abu Dhabi, our calculator gives you clarity before you commit.

Mortgage Calculator Dubai – Designed for UAE Cities

If you’re purchasing a home in Dubai, our mortgage calculator Dubai provides estimates specific to the city’s property prices and banking practices. With Dubai being a major real estate hub, this tool is especially useful for residents and investors.

The EMI estimates are adjusted for market conditions and include considerations like:

  • Minimum down payment requirements

  • Loan-to-value ratios (LTV)

  • Typical interest rates in Dubai

Property Finder Mortgage Calculator – How We Differ

While tools like the Property Finder Mortgage Calculator offer quick estimates during property browsing, our calculator allows deeper customisation:

  • You can choose any bank’s interest rate

  • Adjust the tenure as per your plan

  • See a detailed breakdown of principal vs. interest

  • Save your results for later comparison

We recommend using both tools together when browsing listings and finalising your mortgage.

Emirates NBD Mortgage Calculator – Bank Comparison

Using our tool, you can replicate the Emirates NBD mortgage calculator by entering their latest published interest rates and tenure. Emirates NBD is one of the largest mortgage providers in the UAE, with rates typically ranging from 2.49% to 3.99%.

Enter:

  • Loan amount

  • Down payment

  • Tenure

  • Interest rate

And you’ll instantly get your EMI amount—no need to visit the bank website.

HSBC UAE Mortgage Calculator – Global Banking Estimates

You can also simulate the HSBC UAE mortgage calculator experience. HSBC is popular for expatriate-friendly lending and flexible repayment options. Our calculator works for both fixed and variable interest mortgages, making it ideal for HSBC loan simulations.

How to Use the Mortgage Calculator UAE

  1. Enter the loan amount

  2. Input your down payment

  3. Select interest rate (fixed or reducing)

  4. Choose loan tenure

  5. Click “Calculate” to see your EMI

The result will show:

  • Monthly EMI

  • Total interest payable

  • Total amount paid over time

Useful Tip for Home Buyers

UAE law requires a minimum down payment of 20% for properties under AED 5 million for expats and 15% for UAE nationals. Our calculator adjusts for this, helping you plan better.

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External Resource

To learn more about home loans and interest rate trends, visit the UAE Central Bank.

FAQs – CGPA Calculator

Yes, just enter their rates to simulate your monthly EMI.

Absolutely. Our calculator supports Dubai and all UAE cities.

Yes. You can use this calculator for expat-specific loan amounts and down payment percentages.

Typically AED 15,000/month, but it varies by bank.

Yes, the tool is 100% mobile responsive.

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