UAE 2026 • AED

UAE Mortgage & DLD Fee Calculator

Work out your monthly mortgage payment, the Dubai Land Department (DLD) fees, bank charges and the total cash you need upfront. The calculator also checks your loan against UAE Central Bank LTV and debt-burden limits.

4% DLD transfer fee0.25% mortgage registrationCBUAE LTV caps50% debt-burden checkOne-page PDF report

1Property & buyer

Property price (AED)

Property status

Buyer type

Which property is this?

2Mortgage details

Down payment (%)Minimum allowed: 20%

Loan term (years)Maximum 25 years under CBUAE rules

Interest / profit rate – initial (%)

Fixed period (years)

Rate after fixed period (%)Usually EIBOR plus a bank margin

Your age (years)Loan should end by about age 65 to 70

3Income & affordability

Monthly income (AED)

Other monthly debt payments (AED)Car loans, personal loans, credit cards

4Other buying costs

Who pays the 4% DLD fee?

Agency commission (%)Plus 5% VAT. Use 0 for direct developer purchases.

Bank arrangement fee (% of loan)Plus 5% VAT

Valuation fee (AED)Plus 5% VAT

Developer NOC fee (AED)Resale only. Often paid by the seller.

Conveyancing fee (AED)

Advanced: DLD fee schedule & insurance (auto-filled, editable)

Mortgage registration (% of loan)

Mortgage registration admin fee (AED)

DLD admin fee – title deed, map, knowledge and innovation (AED)

Trustee fee – price AED 500,000 or more (AED)

Trustee fee – price below AED 500,000 (AED)

Off-plan Oqood / developer registration (AED)

Life insurance (% of loan per year)

Property insurance (% of price per year)

Service charges (AED per year)

Max LTV override (%) – 0 = automatic

Monthly mortgage payment

AED 0.00

Click “Calculate”

Loan amountAED 0

Total cash needed upfrontAED 0

DLD & government feesAED 0

Total interest over the termAED 0

LTV check–

Debt-burden ratio (max 50%)–

Upfront cost breakdown

Item	AED

Repayment summary by year

Year	Paid	Interest	Principal	Balance

UAE rules this calculator follows

DLD transfer fee

Dubai Land Department charges 4% of the sale price. By law it is split 2% buyer and 2% seller, but in practice the buyer usually pays the full 4%.

Mortgage registration

For financed purchases, DLD charges 0.25% of the loan amount plus a AED 290 admin fee.

Trustee office fee

AED 4,000 plus VAT for properties of AED 500,000 or more, and AED 2,000 plus VAT below that. A fixed DLD admin bundle of about AED 580 also applies.

Loan-to-value caps (CBUAE)

CBUAE Notice 31/2013 sets the maximum loan for a first home up to AED 5M: 80% for expats and 85% for UAE nationals. Above AED 5M the caps are 70% and 75%. Second homes are 60% to 65%, and off-plan purchases are 50%.

Debt-burden ratio

All monthly debt payments, including the new mortgage, must stay within 50% of monthly income. The maximum loan term is 25 years.

Fees paid in cash

Since February 2025, banks can no longer add the DLD fee or agency commission to the mortgage. Buyers pay these fees in cash on top of the down payment.

Disclaimer: This calculator gives estimates based on Dubai Land Department fees and UAE Central Bank rules as published in 2026. Bank fees, insurance, valuation and service charges vary by lender and property. Other emirates have their own land department fees, so edit the values under Advanced. Always confirm the final figures with your bank and the DLD before you commit. This is not financial or legal advice.

Mortgage & DLD Fee Report

The Business Explore • UAE mortgage & DLD fee calculator (AED)

Date:
Ref:

Monthly payment

Loan amount

Cash needed upfront

Total interest

Purchase profile

Price:

Buyer:

Status:

Down payment:

Term:

Rates:

LTV check:

Debt-burden ratio:

Monthly owning cost:

Upfront costs

Item	AED

Repayment summary

Year	Interest	Principal	Balance

Basis: DLD transfer fee 4% of price. Mortgage registration 0.25% of loan plus AED 290. Trustee fee AED 4,000 or 2,000 plus VAT. CBUAE Notice 31/2013 LTV caps and the 50% debt-burden limit. Bank, valuation, agency and insurance costs are estimates. This is not financial or legal advice.

Prepared with The Business Explore UAE mortgage & DLD fee calculator • All amounts in UAE Dirham (AED)