Dubai Premium Real Estate · Mortgage Intelligence
Dual-Currency
Mortgage Simulator
UAE Central Bank Compliant · 2026 Interest Rate Framework · Live FX Conversion · Global Bank Comparison
UAECB 2026:
Mortgage cap: 80% LTV (residents) / 60% LTV (non-residents) | Max DBR: 50% | Early settlement fee: max 1% or AED 10,000 | Base Rate: 4.90% (CBUAE, 2026)
Property & Loan Details
Dubai · 2026
Property
Property Value
AED 2,500,000
AED
Down Payment
20%
%
Loan Terms
Loan Tenure
25 Years
YRS
Residency Status
Rate Type
Annual Interest Rate (UAE)
4.99%
%
Home Currency
Your Country / Currency
Live FX Rate
1 AED = 0.2723 USD
Indicative 2026
Home Country Rate
6.25%
%
Monthly Income (AED)
AED
UAE Bank Rates 2026
Click to apply rate
| Bank | Rate | Type | Max LTV |
|---|
Cost of Ownership — Dual Currency
✓ LTV COMPLIANT
🇦🇪
UAE Dirham
AED · United Arab Emirates
Monthly Instalment
AED 0
Total Repayment
AED 0
Total Interest
AED 0
Loan Amount
AED 0
Dubai DLD Fee (4%)
AED 0
Total Cost (incl. fees)
AED 0
🌍
Home Currency
Select currency
Monthly Instalment
— 0
Total Repayment (UAE loan)
— 0
If borrowed at home rate
— 0
FX-Adjusted Loan
— 0
DLD Fee Equivalent
— 0
Total Cost (home equiv.)
— 0
Head-to-Head · Best UAE Bank vs Best Home Bank
2026 mortgage rates from UAE lenders. Click any row to apply that rate to your calculation.
| Bank | Rate | Type | Max LTV |
|---|
Select your home country above to see local mortgage rates.
| Bank | Rate | Product | Max LTV | vs UAE Best |
|---|
Direct rate comparison — UAE best fixed rate versus your home country's leading lenders.
Debt Burden Ratio Check (UAECB Max 50%)
0%
50% LIMIT
100%
0%
DBR Ratio
Interest Rate Comparison · UAE vs Home Country
Amortization Overview
Principal
Interest
Balance
Full Cost Breakdown · AED
Regulatory Compliance Notice: All calculations comply with UAE Central Bank Mortgage Regulations 2026. LTV caps applied per CBUAE Circular No. CBUAE/BSD/2013/313 (amended 2026). EIBOR base rate 4.90% as per CBUAE Q1 2026 publication. Dubai Land Department transfer fee 4% of property value. Mortgage registration fee: 0.25% of loan amount + AED 290. Home country bank rates are indicative as of Q1–Q2 2026 and sourced from publicly available data. All rates are subject to individual lender approval, applicant profile, and prevailing market conditions. This tool is for indicative purposes only. Consult a licensed mortgage advisor.