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    Yalla CalculatorsYallaCalculators

    Buy your UAE home with
    confidence.

    Calculate how much property you can afford under UAE Central Bank rules. Half-income debt cap and down-payment bands by buyer type. Updated monthly from issuer circulars.

    UAE Central Bank aligned
    DLD fees included
    Updated monthly
    Math-verified
    STEP 01 · YOUR MONEY

    Tell us about your income.

    We'll figure out what you can qualify for.

    Emirate
    Buyer type
    Monthly salary
    Basic salary
    100% COUNTED
    AED 20,000
    Core fixed component on your contract
    Housing allowance
    50% COUNTED
    AED 5,000
    Banks count only half of housing allowance
    Other allowances
    0% COUNTED
    AED 5,000
    Transport, education, mobile — most banks discount entirely
    Income banks use to qualify you
    After weighting basic, housing and allowances
    AED 22,500/mo
    STEP 02 · EXISTING DEBTS

    Your monthly obligations

    Banks add what you already owe to your new mortgage when checking if you qualify.

    Car loan payment
    AED 0
    Auto-loan monthly EMI
    Personal loan payment
    AED 0
    Bank personal loan EMI
    Credit card minimum
    AED 0
    5% of outstanding balance, or AED 100 floor
    Other monthly debts
    AED 0
    School fees on finance, BNPL, etc.
    STEP 03 · PROPERTY DETAILS

    What you're buying.

    Property type
    Off-plan needs 50% down payment
    Property price
    AED 2.50M
    Asking price or expected purchase price
    Interest rate
    3.99%
    July 2026 UAE median is 3.99%
    Loan tenure
    25 yr
    25-year maximum for UAE residents
    Maximum property you can afford
    AED 2,666,963
    Max loan
    AED 2,133,571
    The principal a UAE bank will lend you at this max-affordable price.
    Monthly payment
    AED 11,250
    What you'd pay each month at the max-affordable price.
    Cash needed
    AED 712,534
    Down payment plus closing costs at signing.
    How much of the house you own over time

    Year by year.

    Every month, part of your payment chips away at the loan — and your share of the home grows. By Year 12.5, you own more than the bank does. By Year 25, you own it outright.

    Y0Y5Y10Y15Y20Y250.0M0.7M1.4M2.1M2.8M
    • Your share
    • Bank's share
    Year
    Your share
    Bank's share
    Year 5
    AED 809K
    AED 1.86M
    Year 10
    AED 1.15M
    AED 1.52M
    Year 15
    AED 1.56M
    AED 1.11M
    Year 20
    AED 2.06M
    AED 611K
    Year 25
    AED 2.67M
    AED 0
    Source data

    Built on official UAE data.

    Mortgage rules and LTV bands reference UAE Central Bank Circular 31/2013 and subsequent guidance. DLD fees from Dubai Land Department. Bank market rates re-verified monthly across FAB, ENBD, ADCB, Mashreq, RAKBANK, CBD, HSBC, SC, Citi, NBF, ADIB, DIB, Emirates Islamic, Liv, Wio, Al Hilal.

    Last verified · 2026-07-02 · 16 banks · CB Circular 31/2013
    UAE CB
    Central Bank — Circular 31/2013
    DLD
    Dubai Land Department Fees
    RERA
    Property Regulator
    MOHRE
    Ministry of HR & Emiratisation
    Methodology

    How the calculator works.

    01 · Inputs

    Income, weighted

    Banks fully count your basic salary, half your housing allowance, and ignore other allowances. We subtract your existing monthly debts to find what's free for a new mortgage.

    02 · Caps

    UAE Central Bank rules

    The down payment requirement depends on your buyer type and the home's price. Total debt can't exceed half of your qualifying income.

    03 · Output

    Whichever is lower wins

    We take the lower of two limits — what your income supports and what banks will lend. That is your maximum property. Your monthly payment uses the same amortization banks use.

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    Last updated: July 2026

    Who Stands Behind This Calculator

    VP
    Varun PunjabiLinkedIn

    Founder & CEO

    10+ Years UAE ExperienceDomain & Digital BusinessDLD & RERA Compliance

    Varun founded Yalla Calculators to help UAE residents make informed financial decisions. Based in the UAE since 2018, he has firsthand experience with property purchases, DLD fees, mortgage rules, and cost-of-living planning. His background in software and digital business (13+ years) drives the accuracy and regulatory alignment of our property and mortgage tools. Varun is not affiliated with other professionals who share the same name; he operates from Dubai/Sharjah and maintains editorial independence across all calculators.

    Focus: UAE Property, Cost of Living, Financial Planning, Mortgage & DLD

    Why Trust This Calculator?

    UAE Mortgage Calculator is built for UAE residents and uses local regulations and fee schedules. Our calculators use official UAE data sources, current regulations, and methodology that is reviewed by UAE-based experts. We update fee schedules and formulas when regulators publish changes, and we clearly cite our sources so you can verify results.

    All calculations reviewed by UAE-based financial experts.

    Guide to Our UAE Financial Calculators

    Yalla Calculators provides UAE-specific financial tools for gratuity, mortgages, property fees, rent vs buy, school fees, visas, and cost of living. Our formulas follow official UAE sources: UAE Labor Law (gratuity, leave), Dubai Land Department and RERA (property, DLD 4% transfer fee), UAE Central Bank (DBR, LTV), KHDA (school fees), and published visa and healthcare data. We update figures when regulations or market rates change. Calculator results are estimates only; actual entitlements, fees, and approvals depend on your specific situation, employer, bank, or authority.

    For gratuity, any employee who completes at least one year of continuous service earns gratuity on basic salary for the years served — 21 days’ pay per year for the first five years and 30 days per year thereafter. Under Federal Decree-Law 33/2021 (effective 2 February 2022) the old sliding scale that cut gratuity for resignation before five years was abolished, so resigning no longer reduces your entitlement for completed years. For mortgages, DBR caps and LTV limits vary by buyer type (UAE national, GCC, expat) and property value. Property fees include DLD registration, trustee fees, agent commission, and often mortgage registration. Rent vs buy outcomes depend on holding period, appreciation, and opportunity cost. School fee projections use KHDA fee frameworks and typical annual increases; actual costs vary by school and grade.

    Calculation Examples

    Gratuity: If you resign after 3 years with AED 15,000 basic (unlimited contract), you receive 21 days’ basic per year for the first 5 years. Three years × (21/365) × (15,000 × 12) ≈ AED 31,068. After 5 years, the rate becomes 30 days per year. Mortgage: At 50% DBR, a AED 25,000 monthly income with AED 3,000 existing commitments allows roughly AED 9,500 per month for a mortgage, depending on rates and tenure. Property fees: On a AED 2M purchase, 4% DLD transfer fee is AED 80,000; add trustee, agent, and optional mortgage registration per our property-fees calculator.

    Frequently Asked Questions

    Are calculator results legally binding? No. They are illustrative. Gratuity, mortgage eligibility, and visa decisions depend on your contract, bank, or authority. Always confirm with your employer, lender, or official sources.

    How often do you update data? We review UAE labor, property, mortgage, and school-fee data periodically and after notable regulatory changes. Check our methodology and data-updates pages for more detail.

    Do you store my inputs? Calculator inputs are processed in your browser. We do not store your salary, property value, or other personal figures. See our privacy policy and cookie policy for details on analytics and cookies.

    Which Emirates are covered? Default examples often use Dubai (DLD, RERA, KHDA). Several tools support other Emirates where data is available. We indicate coverage in each calculator.

    Can I use these for official applications? Our tools are for planning and comparison only. Use official forms, bank offers, and government portals for applications and compliance.

    Meet the Expert

    Varun Punjabi

    CEO & Founder, Yalla Calculators. Over 13 years of professional experience, including a decade in the domain and internet industry. Specializes in UAE property market analysis, mortgage calculations, DLD and RERA regulations, and UAE labor and school-fee frameworks. Built Yalla Calculators after navigating Dubai’s property and education landscape firsthand.

    LinkedIn

    For methodology, data sources, and disclaimers, see our Methodology, Data Updates, and Terms of Use. Contact: info@yallacalculators.online.