Mortgage Calculator for UAE
UAE · AED. Monthly repayments, total interest and a repayment schedule.
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Amortization Schedule
| Year | Principal Paid | Interest Paid | Total Payment | Remaining Balance |
|---|---|---|---|---|
| 1 | AED 20,619.07 | AED 49,531.74 | AED 70,150.80 | AED 979,380.93 |
| 2 | AED 21,673.98 | AED 48,476.83 | AED 70,150.80 | AED 957,706.95 |
| 3 | AED 22,782.86 | AED 47,367.94 | AED 70,150.80 | AED 934,924.09 |
| 4 | AED 23,948.48 | AED 46,202.33 | AED 70,150.80 | AED 910,975.62 |
| 5 | AED 25,173.72 | AED 44,977.08 | AED 70,150.80 | AED 885,801.89 |
Showing 1–5 of 25 years
Key Insights
Interest Share
Interest accounts for 43% of this loan's total repayments.
Loan Tenure
A longer tenure reduces EMI but increases total interest.
Prepayment
Even small prepayments can save you a significant amount.
Method and scope
Fixed-rate, fully amortising loan with equal monthly payments beginning one month after borrowing. The nominal annual interest rate is divided by 12. At zero interest, principal is divided equally across payments. Fees, insurance, property taxes, rate resets and prepayments are excluded. This is a principal-and-interest illustration, not a lender quotation.
Using this calculator in UAE
The UAE mortgage illustration does not assess loan-to-value eligibility, residency, central-bank lending limits, registration costs, insurance or early settlement charges. Only the entered loan principal and interest are amortised.
Try the starting example
Amount borrowed: AED 1,000,000; Annual interest rate (nominal): 5%; Loan term (years): 25.
Monthly principal + interest: AED 5,845.90.
Compare one assumption at a time
A longer term can lower the monthly payment while increasing total interest. Compare the repayment schedule and total interest as well as the first result. Keep the amount and rate fixed when reproducing this comparison; the illustration does not include a future rate reset. These fictional scenarios use the starting inputs printed above, not your current entries in the interactive calculator.
| Loan term (years) | Monthly principal + interest | Interpretation |
|---|---|---|
| 24 | AED 5,968.98 | One changed input |
| 25 | AED 5,845.90 | Starting example |
| 26 | AED 5,733.44 | One changed input |
Have you separated basic salary from allowances?
The gratuity calculation uses basic salary, with total contractual wage entered separately for its cap. Those inputs are not interchangeable. Use qualifying service excluding unpaid absence; the federal traditional full-time foreign-worker model does not cover every employment regime or alternative savings scheme.
To reproduce the table, reset the calculator, change only the named input and compare the result and any warning. Record the assumptions with your result. See worked planning examples and our calculation and correction process.
Sources and review date
Rules and method reviewed 2026-11-02. Future changes are not automatically applied. Report a correction.