25.0% of property price
Monthly Payment
AED 6,570
LTV
Loan
AED 1,125,000
The UAE Central Bank caps the loan-to-value ratio at 80% for expat first-time buyers and 85% for UAE nationals. This means expats need at least a 20% down payment. For off-plan properties the LTV limit is 50%.
UAE mortgage rates typically range from 3.5% to 5.5%. Fixed rates are available for 1-5 years, after which they revert to a variable rate linked to the Emirates Interbank Offered Rate (EIBOR). Most banks offer both conventional and Islamic mortgage options.
No, the UAE does not charge capital gains tax on property sales for individual investors. This makes the UAE one of the most tax-friendly places in the world for property investment.
Note: Actual mortgage terms depend on your lender, credit score, and residency status. Contact a bank or mortgage broker for a personalised quote.
Disclaimer: This calculator provides estimates based on current UAE Federal Tax Authority rates and MOHRE labour law provisions. It does not constitute professional tax, financial, or legal advice. Your actual entitlements may differ depending on your individual circumstances, employment contract, and applicable free zone regulations. Always consult a qualified adviser before making financial decisions. Read our terms
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