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CalculatorsMortgage Calculator UAE
Estimate home loan payments, loan-to-value (LTV) ratio and total payable amount in AED based on property value, down payment, rate and tenure.
Indicative estimate only. Final terms depend on issuer/provider criteria. T&Cs apply.
Indicative estimate only. T&Cs and eligibility criteria apply.
FormulaHow it is calculated
EMI = P × r × (1+r)^n / ((1+r)^n − 1) · P = value − down payment
Some UAE providers may calculate differently (for example flat vs reducing balance). Calculator results are estimates and may not match final provider quotations.
ExampleUAE worked example
| Property value | AED 1,500,000 |
| Down payment | 20% (AED 300,000) |
| Rate | 4.5% |
| Tenure | 25 years |
| Monthly payment | AED 6,670 |
| LTV | 80% |
This is an example only. Actual figures depend on issuer/provider criteria.
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FAQsFrequently asked questions
No. Results are indicative estimates only. Final rates, fees, approvals and terms depend on the issuer, provider and applicable eligibility criteria.
No. Calculator results do not confirm eligibility or approval. They help you estimate possible costs, payments or values before applying.
Yes. FinShark calculators are designed with UAE users in mind and use AED-based inputs and outputs where relevant.
Issuers and providers may apply different rates, fees, documents, credit checks, income requirements and eligibility rules.
Important Note on Calculator Results: FinShark calculators provide indicative estimates only and should not be treated as financial advice, approval confirmation or final product pricing. Actual rates, fees, monthly payments, rewards value, approvals and terms may differ based on issuer or provider policies, customer eligibility, credit checks, documents and applicable terms and conditions.