The Lending Tree
+971 4 447 7127WhatsApp

Calculators

Your payment, year by year.

Change any figure and the monthly payment and the schedule update as you type. Your figures stay in the page address, so you can bookmark or share the result.

Mortgage payment calculator

These are example figures. Turn on JavaScript in your browser to enter your own.

Residency
Employment

It does not change this sum, but banks read salaried and self-employed income differently. It appears on your PDF.

Regulation Minimum down payment 20%, AED 400,000UAE residents can borrow up to 80% on a first home up to AED 5M.

Type a loan amount and the down payment follows.

We start at 3.50%, our Rates From figure. Enter any rate you have been quoted.

View Amortisation ScheduleHide Amortisation Schedule

Your Figures

Residency
UAE Resident
Property Value
AED 2,000,000
Down Payment
AED 400,000 (20.0%)
Interest Rate
3.50%
Loan Duration
300 months

Amortisation Schedule

25 years, 300 monthly payments. All figures in AED.

Swipe the table sideways for Interest, Principal and Closing Balance.

Amortisation schedule by year, each year expandable to its months, in AED
YearOpening BalancePaymentInterestPrincipalClosing Balance
Year 011,600,000.0096,119.7655,350.1240,769.641,559,230.36
Year 021,559,230.3696,119.7653,900.0742,219.691,517,010.67
Year 031,517,010.6796,119.7652,398.4343,721.331,473,289.34
Year 041,473,289.3496,119.7650,843.3945,276.371,428,012.97
Year 051,428,012.9796,119.7649,233.0646,886.701,381,126.27
Year 061,381,126.2796,119.7647,565.4448,554.321,332,571.95
Year 071,332,571.9596,119.7645,838.4950,281.271,282,290.68
Year 081,282,290.6896,119.7644,050.1552,069.611,230,221.07
Year 091,230,221.0796,119.7642,198.2053,921.561,176,299.51
Year 101,176,299.5196,119.7640,280.3755,839.391,120,460.12
Year 111,120,460.1296,119.7638,294.3557,825.411,062,634.71
Year 121,062,634.7196,119.7636,237.6659,882.101,002,752.61
Year 131,002,752.6196,119.7634,107.8562,011.91940,740.70
Year 14940,740.7096,119.7631,902.2764,217.49876,523.21
Year 15876,523.2196,119.7629,618.2566,501.51810,021.70
Year 16810,021.7096,119.7627,252.9968,866.77741,154.93
Year 17741,154.9396,119.7624,803.6171,316.15669,838.78
Year 18669,838.7896,119.7622,267.1273,852.64595,986.14
Year 19595,986.1496,119.7619,640.4076,479.36519,506.78
Year 20519,506.7896,119.7616,920.2779,199.49440,307.29
Year 21440,307.2996,119.7614,103.3782,016.39358,290.90
Year 22358,290.9096,119.7611,186.3184,933.45273,357.45
Year 23273,357.4596,119.768,165.5087,954.26185,403.19
Year 24185,403.1996,119.765,037.2391,082.5394,320.66
Year 2594,320.6696,118.351,797.6994,320.660.00

Summary

Loan Amount
AED 1,600,000.00
Total Interest
AED 802,992.59
Monthly Payment
AED 8,009.98
Total Paid
AED 2,402,992.59

Each Year's Payments

  • Principal
  • Interest
Reset Calculator
How This Works

The sum, and its sources.

Every figure on this page is the standard loan formula or a published rule. Here is each one.

  • The Monthly Payment

    A loan repaid in equal monthly payments. The payment is P × r ÷ (1 − (1 + r) to the power of −n), where P is the loan, r the yearly rate divided by 12 and n the number of months. Each payment covers that month's interest first, and the rest reduces the balance.

    The standard reducing-balance loan formula.

  • The Down Payment Regulation

    UAE residents can borrow up to 80% of the price on a first home up to AED 5 million, and 70% above it. UAE Nationals can borrow up to 85%, and 75% above AED 5 million.

    CBUAE Circular 31/2013, Article 3.2. Checked 26 Aug 2026.

  • Non-Residents Lender Practice

    Banks typically lend non-residents up to 60%. The regulation does not treat non-residents separately, so this is practice, not law, and it varies by bank.

    Lender practice on our bank panel. Checked 26 Aug 2026.

  • The Term Regulation

    The longest mortgage term is 25 years.

    CBUAE Circular 31/2013, Article 3.3. Checked 26 Aug 2026.

  • One Rate Throughout

    This calculator applies one rate for the whole term. Most UAE mortgages fix the rate for a few years, then move to a margin plus EIBOR, so later payments will differ.

  • The Last Payment

    Payments are worked to the fils, so the last one is adjusted to clear the balance to exactly zero.

Assumes a first home and a ready property. Off-plan property and second homes have lower limits. Fees and buying costs are not included. This is an estimate, not an offer: the bank sets your rate and terms.

Questions

About this calculator.

How is the monthly payment worked out?

With the standard formula for a loan repaid in equal monthly payments: each payment covers that month's interest first, and the rest reduces the balance. For example, AED 1,000,000 at 3.50% over 25 years is AED 5,006.24 a month.

Why does it start at your Rates From figure?

It is the lowest rate we advertise, as a starting point. Your own rate depends on your income, the property and how a bank reads your file, so it can be higher or lower. A specialist can tell you which rates your case is likely to get. Talk to a Specialist

How much of the price can I borrow?

The Central Bank caps it at 80% for UAE residents and 85% for UAE Nationals on a first home up to AED 5 million, and banks usually lend non-residents up to 60%. Where you land within that depends on your income, your debts and the property. Talk to a Specialist

Does the payment include fees?

No, it covers the loan only. Land Department fees, mortgage registration and bank fees are paid on top, and they vary with the price, the loan and the bank. A specialist can list the costs for your purchase. Talk to a Specialist

What happens when a fixed rate ends?

The rate usually moves to a margin plus EIBOR, which resets as EIBOR moves, so later payments can differ from this one. What your rate becomes depends on the bank and the product, so it is worth comparing before you sign. Talk to a Specialist

Can I save or share my result?

Yes. Your figures are kept in the page address, so a bookmark or a shared link brings back the same result. Download PDF saves a copy with the year by year schedule, made in your browser.

Next Step

Want these figures checked by a specialist?

A specialist can check them against the banks on our bank panel and tell you what you are likely to be offered.

Enquire NowMessage us on WhatsApp
WhatsAppEnquire Now