LVPLuxe Vita Properties
Loading, please wait...Estimate your monthly mortgage payments and total acquisition costs for a property in Dubai, including DLD transfer fees and agency commission.
Down Payment
AED 400,000
Loan Amount
AED 1,600,000
Monthly Payment
AED 9,344
25 years at 4.99% p.a.
* This calculator provides an estimate only. Actual mortgage terms and fees depend on lender approval, property valuation, and applicable regulatory requirements. Speak with an LVP advisor for a personalised mortgage assessment.
The Dubai Land Department (DLD) charges 4% of the purchase price on all property transactions. This is mandatory and paid at the time of title deed transfer.
Real estate agency fees are typically 2% of the purchase price for buyers. This is paid to the registered brokerage facilitating the transaction.
If financing via a UAE mortgage, a 0.25% mortgage registration fee is charged by the DLD on the loan amount, plus a fixed AED 290 administration fee.
UAE residents can borrow up to 80% of the property value (LTV) for properties under AED 5M. Non-residents are limited to 50% LTV. A minimum 20% down payment is standard.
Most UAE mortgages use variable rates linked to EIBOR. Fixed-rate options are available for 1–5 year periods. Current rates range from approximately 4.5%–5.5% p.a.
UAE banks offer mortgage terms of up to 25 years, or until the borrower reaches age 65 (for salaried employees) or 70 (for self-employed), whichever comes first.
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