Planning tool · Reviewed 6 August 2026

Estimate the cash and finance behind the property decision.

Separate the deposit, initial transaction costs and monthly payment. Every assumption is visible and editable so an illustration is never presented as a bank approval or guaranteed outcome.

Editable assumptions

Build a planning estimate.

Replace every example input with your written bank or transaction quotation.

Property value

AED

Down payment

Eligibility and lender requirements vary.Indicative annual rate

Example only. Use the rate supplied by your bank.Loan term

years

CBUAE's published maximum is 25 years; lender eligibility may be lower.Annual service charge

AED

Enter a current property-specific figure.Brokerage fee

AED

Enter the confirmed amount, if applicable.Developer NOC fee

AED

Enter the confirmed amount, if applicable.Conveyancing / legal fees

AED

Enter your quotation, if applicable.Other confirmed upfront fees

AED

Valuation, bank, insurance or other confirmed costs.

Method and limitations

What this estimate includes — and what it cannot decide.

The mortgage figure uses a standard monthly reducing-balance amortisation formula. Islamic home-finance structures, fixed and variable periods, lender fees and insurance or takaful may calculate differently. Use a written lender quotation for an actual decision.

The 2% transaction-fee assumption follows the current ADREC calculator. Brokerage, NOC, conveyancing, valuation, bank, insurance and other costs are left editable because their application and amount depend on the transaction. VAT is not added automatically.

The result excludes future rate changes, property valuation differences, maintenance, utilities, vacancy, furnishing, moving and early-settlement costs. It does not confirm loan eligibility, ownership eligibility, affordability or investment performance.

Official sources

Check the live rules and replace examples with quotations.

ADREC Mortgage Calculator
Model structure, indicative-rate warning and the 2% transaction-fee assumption used here.
CBUAE Regulations Regarding Mortgage Loans
Current regulatory framework for mortgage limits and borrower eligibility; a ceiling is not an approval promise.
ADREC Rules and Regulations
Official Abu Dhabi real-estate regulatory references. Recheck the live source before a transaction.

Next step

Turn the estimate into a property-specific checklist.

Obtain your bank illustration and confirmed property costs, then compare the full decision with a Sea Sweet Home adviser.

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