Adil Raza Khan | May 14, 2025
A house loan is a great choice to ease the budgetary tension that would otherwise feel like a burden if one pays the entire amount out of one’s pocket. The monthly payment obligations indicate one’s eligibility for the loan.
It is helpful to keep an idea regarding the approximate estimation of the monthly mortgage payment for a home loan before applying for it. It is good to know beforehand if the installments will create financial stress going forward.
Mortgage Loan Calculators are smart tools that help prospective mortgage seekers have a better idea of their situations beforehand.
A mortgage calculator or Property Loan Calculator is a tool or software to find out how much you need to pay as your monthly mortgage payments for a loan you borrowed. The Loan Amount, the Loan Term and the Interest Rate are crucial inputs to get the estimation.
As you find the EMI (Equated Monthly Installment) for the loan you plan to apply for, it becomes easier to plan the budget or to decide if or not to apply for it at all.
The tool allows you to easily calculate the full cost of your property mortgages, including the interest amount and any other associated fees. It also helps you to get a fair idea of how much a heavy down payment can affect the remaining monthly payment amount. You can find the estimations and calculations anytime from anywhere.
When you have the estimation, you can plan the budget or make more financially informed decisions to benefit your situation. An upfront view of your financial obligations before you step into a payment plan with a real estate developer would allow you to decide if or not the property is right for you, from a financial viewpoint.
As all banks and financial organisations lending the loan do not follow the same terms and conditions, you can tactfully decide which specific mortgage source would be best for your situation. The loan calculator UAE allows you to make a comparative analysis of different mortgage options on the same page.
So, now you know how many types of mortgage loans in Dubai, on an overall basis. The use of Dubai Mortgage Calculator ensures you need not go through the confusion or the complexities of calculations while deciding on or dealing with your loan. Simple!
It is easy, like most other software tools that we use on our smartphones today. It involves typing in the inputs correctly and tapping the
‘Calculate’ button to find the data within seconds.
Input the loan amount you wish to borrow for owning a property in Dubai.
Choose the period over which you plan to repay the loan amount. You will have options there or manually type it.
Input the interest rate applicable to your mortgage. You must have an idea regarding the interest rate your chosen bank might ask you for when lending. If not, ask for it from the concerned authority or find it out from a trusted source and input the interest percentage rate. PS. The interest rate for mortgages in Dubai typically ranges from 2.99% to 5%.
Dubai properties always come with a Down Payment requirement that the buyer needs to pay for booking the unit. Generally, it is 20% or 10%. Just mention the percentage, and the calculator will automatically find and take the amount that you need to pay upfront.
Tap the ‘calculate’ button to find your estimated monthly mortgage payments.
That’s All! Nothing complicated.
The fun part is ‘NO’. Buying properties and deciding on the mortgage is very simple in Dubai. You will find a free, dedicated Dubai Mortgage Calculator section on the websites of both real estate developers and real estate agents with product listings online. As you search for a property and scroll through the details, chances are high that you will find a mortgage calculator on a separate page or at the lower section of the web page containing the property details. Put in your necessary inputs and make financially informed decisions.
We are not stretching the blog further with extra information. The details given would help you find the answer you had before clicking on this blog. If, for any reason, any of your doubts persist, do not resist them. Contact us for a detailed discussion.
WRITTEN BY
Adil Khan is a Dubai luxury real estate expert with over 13 years of experience in the UAE property market. He is the Chairman of APIL Properties.
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