Estimate your monthly payment and the full upfront cost of buying property in Dubai — tailored to UAE nationals, UAE residents and non-residents.
Under standard UAE Central Bank mortgage loan-to-value (LTV) guidance, the minimum down payment on a first mortgaged home depends on who's buying and the property's value. Non-residents buying from overseas usually need the largest down payment, since banks price in the extra risk of lending to a borrower without local income or credit history.
| Buyer type | Typical minimum down payment |
|---|---|
| UAE national, first property under AED 5m | 15% |
| UAE resident (expat), first property under AED 5m | 20% |
| Non-resident (overseas buyer) | ~40% |
Figures are indicative only — exact requirements vary by bank, property value and whether it's your first or a subsequent mortgaged property. Speak to our team or your lender for a formal quote.
On top of your down payment, buying property in Dubai involves several one-off government and transaction fees. Use the View Fees/Charges button above to see these calculated for your own numbers, or see the breakdown below.
4% of the property price, plus an admin fee of AED 580 for apartments and offices, AED 430 for land plots, or AED 40 for eligible off-plan units.
AED 2,000 + 5% VAT for properties valued under AED 500,000, or AED 4,000 + 5% VAT for properties valued at AED 500,000 or above.
Charged by the Dubai Land Department on financed purchases: up to 0.25% of the loan amount, plus a fixed AED 290 admin charge.
Typically up to 2% of the property value, plus 5% VAT on the commission amount.
Usually up to 1% of the loan amount, plus 5% VAT.
A fixed fee charged by the bank's valuation surveyor, typically ranging from AED 2,500 to AED 4,000 regardless of property size.
For a first mortgaged home, UAE nationals typically need a minimum of 15%, UAE residents need 20%, and non-residents buying from overseas typically need around 40%. Exact requirements vary by bank and property value.
Beyond the down payment: the DLD transfer fee (4% + admin fee), a registration fee, a mortgage registration fee if financing, agency commission, a bank processing fee, and a valuation fee of roughly AED 2,500–4,000.
4% of the purchase price, plus AED 580 for apartments/offices, AED 430 for land, or AED 40 for eligible off-plan units.
Current Dubai mortgage rates commonly range from about 3.5% to 5%. This calculator defaults to 3.99% as a representative rate — adjust it to match your own bank quote for a more accurate estimate.