Calculators

Empower your next property move with our intuitive calculators, built to help you plan, evaluate, and invest with clarity and confidence.

Mortgage Calculator

Estimate Your Mortgage with Ease

Find the right payment plan for your future home. Our interactive mortgage calculator helps you estimate monthly instalments based on property price, down payment, interest rate, and loan term, so you can budget with confidence.

Calculate the mortgage for your property and see our mortgage offers

CURRENCY

AED

Property Price

AED

Advance Payment

1,000,000

80%

A percentage of the home price paid up front and usually at least 20%

LOAN AMOUNT

AED

INTEREST RATE

1,000,000 AED

80%

A percentage of the home price paid up front

LOAN DURATION

Loan Duration

25 Years

25

Interest Rate

4,302

for 25 years

Estimated Monthly Payment

1,120

Principal

1,120

Interest

1,120

Total Interest

85,966

Total Payment

336,000

Schedule

Start Date

Annual Payment

AED

336,000

Mortgage payoff date

AUG, 2055

MONTHLY VS BI-WEEKLY PAYMENT

TOTAL INTEREST SAVINGS

232,466.45 AED

2,407.23 AED

Monthly Payment

AUG, 2055

Monthly Pay-off Date

540,601.07 AED

Total Interest Paid

1,203.61 AED

Bi-weekly Payment

1,203.61 AED

Bi-weekly Payment

AUG, 2044

Bi-weekly Pay-off Date

Schedule

Start Date

Annual Payment

Mortgage payoff date 23 SEP 2050

1,120 AED

for 25 years

CURRENCY

AED

Property Price

AED

Advance Payment

1,000,000

80%

A percentage of the home price paid up front and usually at least 20%

LOAN AMOUNT

AED

INTEREST RATE

1,000,000 AED

80%

A percentage of the home price paid up front

LOAN DURATION

Loan Duration

25 Years

25

Interest Rate

4,302

for 25 years

Estimated Monthly Payment

1,120

Principal

1,120

Interest

1,120

Total Interest

85,966

Total Payment

336,000

Schedule

Start Date

Annual Payment

AED

336,000

Mortgage payoff date

AUG, 2055

MONTHLY VS BI-WEEKLY PAYMENT

TOTAL INTEREST SAVINGS

232,466.45 AED

2,407.23 AED

Monthly Payment

AUG, 2055

Monthly Pay-off Date

540,601.07 AED

Total Interest Paid

1,203.61 AED

Bi-weekly Payment

1,203.61 AED

Bi-weekly Payment

AUG, 2044

Bi-weekly Pay-off Date

Schedule

Start Date

Annual Payment

Mortgage payoff date 23 SEP 2050

1,120 AED

for 25 years

MORTGAGE DETAILS

LOAN AMOUNT

200,000.00 AED

23.08%

DOWN PAYMENT

200,000.00 AED

6.80%

TOTAL INTEREST PAID:

200,000.00 AED

65.08%

Total of 360 Payments

866,601.07 AED

TOTAL PMI TO SEP, 2025:

200,000.00 AED

23.08%

TOTAL TAX PAID:

200,000.00 AED

6.80%

TOTAL HOME INSURANCE:

200,000.00 AED

65.08%

ROI Calculator

Calculate Your Potential Returns

See what your investment could yield. Use our ROI calculator to assess annual returns, rental income, and projected value appreciation, helping you make informed decisions before you buy.

Fill out the fields below to calculate rental yield

Purchase Price

123,456,789

Additional Charges

0

Annual Service Charge

800

Annual Rental Price

4500

Net Rent

3,700

Net Return on Investment

0%

FREQUENTLY ASKED QUESTIONS (FAQS)

What is a Mortgage Loan?

A mortgage loan is a type of loan specifically used for purchasing property. The borrower receives a loan amount, which they repay over time through monthly mortgage payments. These payments typically include both principal and interest, with interest rates varying based on the loan terms and the borrower’s creditworthiness. Additionally, monthly payments often cover homeowners insurance to protect against property damage and other liabilities. This structured repayment plan helps homeowners manage the financial burden of buying a home.

In property investment in Dubai, borrowers can choose from various mortgage types tailored to their needs. Fixed-rate mortgages offer stability with a consistent interest rate, ensuring predictable monthly payments. Meanwhile, adjustable-rate mortgages (ARMs) feature fluctuating interest rates based on market conditions. Additionally, government-insured loans like FHA, VA, and USDA loans provide specific benefits and government backing. Each mortgage type necessitates a down payment and involves a mortgage agreement outlining loan terms and conditions.

To use Emaar’s Mortgage Loan Calculator, follow these steps:

Enter the Loan Amount: Input the amount you wish to borrow for your mortgage.

Select the Loan Term: Choose the duration over which you plan to repay the loan.

Input the Interest Rate: Enter the interest rate applicable to your mortgage.
Enter Down Payment: Specify the amount you will pay upfront.

Calculate: Click the calculate button to see your estimated monthly mortgage payments.

The calculator will provide you with an overview of your monthly payments, helping you plan your finances effectively.

This binding contract sets out the purchase price, payment schedule, completion date, and obligations of both parties. Review it carefully and seek professional advice before signing to ensure that all terms and timelines are clear.

Securing a mortgage rate as low as 1.5% can be difficult, especially amidst market fluctuations. However, thorough research, meticulous planning, and tapping into resources such as properties in Dubai by EMAAR Properties can enhance your prospects of obtaining competitive rates aligned with your financial needs and property ownership objectives.

Mortgage financing in the UAE involves securing a loan from a bank or financial institution to purchase property. It allows individuals to make a down payment and borrow the remaining amount, which is repaid over time with interest through monthly mortgage payments. This enables people to invest in real estate without needing to pay the full purchase price upfront.

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