What is the minimum down payment for UAE properties?

UAE Nationals: 15% for properties under AED 5M. Expat Residents: 20% for properties under AED 5M. Non-Residents: 25%. For properties above AED 5M or subsequent purchases, the required down payment is higher.

Which emirate has the lowest property transfer fees?

Sharjah and Ras Al Khaimah both charge 2% transfer fee from the buyer, compared to Dubai's 4%. Total closing costs in RAK and Sharjah are typically 4–7% of property value, vs 6.5–10% in Dubai.

What is EIBOR and how does it affect my mortgage?

EIBOR (Emirates Interbank Offered Rate) is the benchmark rate used for UAE floating-rate mortgages. After your fixed-rate period ends, your rate is typically EIBOR + a bank margin (1.25–2%). When EIBOR rises, your EMI increases.

UAE Mortgage Calculator

Calculate UAE mortgage EMI, down payment, and all property buying closing costs for Dubai (DLD 4%), Sharjah (SRERD 2%) and Ras Al Khaimah (Municipality 2%) for ready, new, or off-plan property.

Emirate

Property Type

Property Value (AED)

Down Payment (%)

Amount: $300,000.00 — Loan: $1,200,000.00

Annual Interest Rate (%)

Loan Tenure (Years)

Include Agency Commission

2% + 5% VAT — buyer-side broker fee

Include Conveyancing / Legal Fees

AED 5,000–10,000 depending on complexity

Monthly EMI

$6,669.99

Closing Costs

$116,050.00

Total Cash Required

$416,050.00

Down payment + closing costs

Total Repayment

$2,000,996.92

incl. AED $800,996.92 interest

Loan Amount

$1,200,000.00

Down Payment

$300,000.00

Closing Costs %

7.74%

UAE Mortgage Calculator — All Emirates

This calculator computes your monthly mortgage payment (EMI) and all property closing costs for Dubai, Sharjah, and Ras Al Khaimah. Select your emirate above and the calculator automatically applies the correct transfer fees, government charges, and mortgage costs for that emirate.

UAE Central Bank Mortgage Rules

Buyer Type	1st Property (< AED 5M)	1st Property (≥ AED 5M)	2nd+ Property
UAE National	15% down (85% LTV)	30% down (70% LTV)	35% down
Expat Resident	20% down (80% LTV)	30% down (70% LTV)	35% down
Non-Resident	25% down (75% LTV)	40% down (60% LTV)	40% down

Transfer Fee Comparison by Emirate

Fee	Dubai	Sharjah	Ras Al Khaimah
Transfer Fee (Buyer)	4%	2%	2%
Municipal / Levy	—	0.5%	—
Admin / Title Deed	AED 580 + AED 500	AED 1,020 + AED 1,000	AED 2,250
Trustee / Reg. Centre	AED 4,200–4,410	Included in AED 1,000	—
Mortgage Registration	0.25% + AED 290	0.25% + AED 150	0.25% + AED 290
Agency Commission	2% + 5% VAT	2% + 5% VAT	2% + 5% VAT

Understanding Your Total Cash Required

The Total Cash Required figure shown is the true upfront cost of buying a property in the UAE — your down payment plus all closing costs. This is the amount you need available on completion day, separate from your ongoing mortgage payments.

For example, a AED 1,500,000 Dubai property with 20% down payment and broker:

Down Payment: AED 300,000 (20%)
DLD Transfer Fee (4%): AED 60,000
Trustee, Title Deed, Fees: ~AED 5,370
Mortgage Registration: AED 3,290
Bank Arrangement (1%): AED 12,600
Property Valuation: AED 3,150
Agent Commission (2%+VAT): AED 31,500
Total cash needed: ~AED 415,910

Interest Rates in the UAE

UAE mortgage rates are primarily EIBOR-linked (Emirates Interbank Offered Rate) with most banks offering a fixed rate for the first 1–5 years before switching to a floating rate (EIBOR + bank margin). As of 2026, typical rates range from 3.5% to 5.5% depending on the bank, term, and customer profile.

Fixed-rate period: 1–5 years, typically 3.5%–4.5% p.a.
Floating rate (post-fix): EIBOR + 1.25%–2% margin
Maximum tenure: 25 years (or until age 65–70 for expats)