Mortgage calculator

Yes. UAE banks lend to non-residents, but on tighter terms: a down payment of usually 40–50% against 20% for residents, a rate 0.5–1.5 points higher and a shorter list of approved developers. You will need a passport, six months of bank statements and proof of income.

Expat resident: from 20% up to AED 5M and from 30% above that. UAE national: from 15%. Non-resident: usually from 40%. For a second and further purchase the requirement rises by another 5–10 points.

The Land Department (DLD) fee is 4% plus a fixed admin charge, the agency fee is 2%, the bank arrangement fee is up to 1% of the loan, the valuation is around AED 3,000, plus life and property insurance. Budget 6–8% on top of the price.

Yes, but not at every stage. Most banks step in from 50% completion or after handover. Until then developers offer their own interest-free payment plan — often a better deal than a mortgage.

Both. A fixed rate runs for 1–5 years and then switches to a floating rate tied to EIBOR plus the bank's margin. When rates rise, a longer fix protects your payment, but its starting rate is higher.