See how much mortgage you can afford under real CBUAE rules, and the property price it realistically buys.
Indicative, July 2026: fixed intros ≈ 3.9–4.75%; variable ≈ EIBOR + 1.5–2%.
CBUAE cap for your profile: 25 years (loan must end by age 65).
Minimum for this profile: 20%.
The full closing bill at your maximum price of AED 1,444,105.
| Item | Basis | Amount |
|---|---|---|
| Down payment | 20.0% of price (regulatory minimum) | AED 288,821 |
| DLD transfer fee | 4% + AED 580 | AED 58,344 |
| Registration trustee | fixed, incl. VAT | AED 4,200 |
| Agency commission | 2% + 5% VAT | AED 30,326 |
| Mortgage registration | 0.25% of loan + AED 290 | AED 3,178 |
| Bank valuation | ≈ AED 2,500–3,500 | AED 3,000 |
| Bank arrangement fee | ≈ 1% of loan + VAT | AED 12,130 |
| Total cash needed at closing | AED 400,000 |
Official DLD schedule; valuation and bank fees are indicative. As of July 2026.
Regulatory limits (LTV caps, the 50% DBR ceiling, the 7×/8× income multiple, the 25-year tenure and age limits): CBUAE Regulations Regarding Mortgage Loans, Circular No. 31/2013, as amended in March 2020 under the Targeted Economic Support Scheme; these apply federally in every emirate. Fees: Dubai Land Department fee schedule (4% transfer + AED 580, registration-trustee fees, 0.25% mortgage registration + AED 290); Abu Dhabi DMT fee schedule (2% transfer, 0.1% mortgage registration); Sharjah Real Estate Registration Department (2% buyer registration, with 1% charged separately to the seller, plus title-deed and admin fees); Ajman Department of Land and Real Estate Regulation via ajman.ae (2% sale registration paid by the buyer, AED 350 title deed). Ras Al Khaimah, Fujairah and Umm Al Quwain transfer fees (about 4%, customarily shared with the seller), and all Sharjah/Ajman/RAK/northern-emirates mortgage-registration and admin figures, are indicative values from market guides, not verified official tariffs. Valuation and bank arrangement fees are indicative bank tariffs. Interest rates shown are indicative market ranges. All figures as of July 2026.
Educational tool only: not financial, legal or tax advice, and not a lending offer. Regulatory limits reflect CBUAE mortgage regulations and emirate fee schedules as of July 2026; several emirate fees are indicative, and rates shown are indicative market ranges. Banks apply their own credit policies, income definitions and fee tariffs. Always verify the final numbers with your bank and the land department or municipality of the emirate you are buying in before committing.
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