Calculators
Numbers you can take to a viewing.
Most calculators flatter you. Ours use the Central Bank's actual rules and today's actual rates — including the 6–7% in fees that surprise people at transfer.
Monthly payment
What a given home costs each month — and the full cash needed on day one.
Monthly payment
AED 6,189
- Loan amount
- AED 1,200,000
- Upfront costs (DLD, agency, fees)
- ≈ AED 108,720
- Cash needed to buy
- AED 408,720
- Total interest over 25 yrs
- AED 656,756
Indicative. Best current fixed rate: 3.78% — verified against 17 banks.
Affordability & borrowing power
Start from your income instead: the maximum loan, and the property budget it supports.
Uses the Central Bank's 50% debt burden cap and stress-tests at 5.78% (today's best fixed +2%) — the way a credit team will actually look at you, not a marketing number. EIBOR moves daily; a stressed figure survives that.
You could buy up to
AED 2,575,602
- Maximum loan
- AED 2,060,481
- Deposit required (20%)
- AED 515,120
- Comfortable monthly payment
- AED 13,000
Should you refinance?
The break-even math, with every switching fee included. Sometimes the answer is no — we'll tell you that too.
Compared against today's best 3yr fixed (3.78%). Includes the capped settlement fee, re-registration and valuation — the honest math.
Staying put is costing you
AED 1,263 /mo
- One-time switching cost
- ≈ AED 16,440
- Break-even
- 14 months
- Net saving over 5 years
- AED 59,362
Numbers looking good?
Turn an estimate into a bank-issued pre-approval. Free, and typically done within 48 hours.