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Monthly Repayment Calculator
Calculate your estimated monthly payment, total interest/profit, and view a complete year-by-year amortisation breakdown.
Estimated Monthly Repayment
AED 8,662
Principal loan amount: AED 1,600,000
Loan-to-Value (LTV)
80.0%
Total Interest / Profit Paid
AED 998,474
Total Amount Repayable
AED 2,598,474
Post-Fixed Stress Payment (+1%)
AED 9,588
Principal (61%)
Total Interest (39%)
*Calculated using standard annuity formula M = P·r(1+r)^n/((1+r)^n−1).
Yearly Amortisation Schedule
See how each year's payments distribute between paying down principal debt and servicing interest/profit.
| Year | Principal Paid | Interest Paid | Ending Balance |
|---|
Assumptions & Regulatory Basis
- Maximum allowable mortgage tenure in the UAE is 25 years under Central Bank regulations.
- For properties valued up to AED 5 million, statutory minimum down payments are 20% for expatriates and 15% for UAE Nationals.
- Monthly payments do not include mandatory property insurance, life insurance/Takaful, or bank administrative maintenance fees.
Calculator Disclaimer: Estimates for illustration only, based on your inputs and the assumptions shown. Not a mortgage offer or pre-approval. Nothing you enter is stored or sent — calculations run in your browser.
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