TAYA · Practical Tools
Financing Calculator
See your monthly figure, then meet the homes your budget opens up.
- 20%
- The Deposit
- 50%
- Debt load
- 25 yrs
- Length of Loan
What Sits Within Reach?
Name a monthly figure you are at ease with, and we will show the ceiling price and the homes that fit.
Amount Borrowed
AED 1,600,000
Each Month
AED 8,668
Paid in Full
AED 2,600,343
Are you eligible?
We measure you against the UAE Central Bank’s 50% cap on debt burden.
Highest price you qualify for
AED 3,922,560
A guide only. The final terms rest with the lender and your standing.
Seen through the petal
How much can I borrow?
As much as the debt-burden ratio allows. Central Bank rules hold your total monthly debt repayments, the new mortgage included, to 50% of monthly income, so it is your existing commitments, not only the price of the home, that set the ceiling.
What fees come with a mortgage?
Three, in the main: a bank arrangement fee of around 1% of the loan, a valuation fee for the property, and registration of the mortgage with the Abu Dhabi authorities. Your bank or your consultant can itemise them against your own numbers.
How much down payment do I need in the UAE?
20% for an expat buying a first ready home up to AED 5M, and 15% for a UAE national, under the Central Bank limits. Above AED 5M, and on a second property, the minimum rises. Off-plan is the outlier: it usually calls for around 50%.
What is the maximum mortgage term?
25 years. The binding constraint is usually age rather than the term itself: banks cap how old you may be at the final instalment, commonly somewhere around 65 to 70, and the exact ceiling depends on the bank and on whether you are salaried or self-employed.
How much can I borrow?
As much as the debt-burden ratio allows. Central Bank rules hold your total monthly debt repayments, the new mortgage included, to 50% of monthly income, so it is your existing commitments, not only the price of the home, that set the ceiling.
How are mortgage rates set?
In two stages. A fixed introductory period, typically 1 to 5 years, then a variable rate tracking EIBOR plus the bank’s own margin. It is that margin, and the fees around it, that separate one lender’s offer from another.
What fees come with a mortgage?
Three, in the main: a bank arrangement fee of around 1% of the loan, a valuation fee for the property, and registration of the mortgage with the Abu Dhabi authorities. Your bank or your consultant can itemise them against your own numbers.