Investor Tools · UAE Central Bank Statutory LTV Limits

Mortgage Calculator

Strictly enforces the Central Bank of the UAE Loan-to-Value (LTV) limits for expatriates (80% ≤ AED 5M; 70% > AED 5M), UAE Nationals (85%/75%), and off-plan properties (50% max).

Mortgage Parameters

Buyer Profile

Property Completion Status

Standard completed property LTV applies based on purchase price tier.

Purchase Price (AED)AED 3,000,000

AED 500KAED 5M (LTV Tier)AED 20M

Down Payment (20%)Statutory Min: 80% Max Loan → 20% Min Down

Your equity: AED 600,000 • Loan: AED 2,400,000

Annual Interest Rate (%)Current UAE avg: 4.2% – 5.1%

Tenure (Years, Max 25)

Estimated Repayment Schedule

Monthly Mortgage Installment

AED 13,326/ month

Min. Recommended Monthly Income

AED 26,652 / mo

Based on Central Bank 50% Debt Burden Ratio (DBR) cap

Financed Principal LoanAED 2,400,000

Down Payment Equity (20%)AED 600,000

Total Interest Paid (25 yrs)AED 1,597,800

Total Capital RepaidAED 3,997,800

Statutory Regulatory Notes

Under Central Bank of the UAE Notice No. 3871/2019, loan repayments and total personal liabilities must not exceed 50% of the applicant's verified monthly income (Debt Burden Ratio). Mortgages must be repaid by age 65 for salaried expats (70 for self-employed).