THUMANI / THE FINANCE WORKBENCH
Explore your monthly mortgage payment, the cash to prepare and how your loan could change over time. Start with a possibility, then make room for the details.
Your figures. Your pace.
A useful starting point for a conversation.
Adjust the details. See the payment and the bigger picture together.
WATCH THE BALANCE CHANGE
| Year | Payments (AED) | Principal (AED) | Interest (AED) | Balance (AED) |
|---|
THE CASH BESIDE THE LOAN
This separate Dubai fee illustration includes your deposit, your agreed share of the transfer fee and the mortgage-registration percentage. Add the other costs from your written quotes.
Dubai sale fee: 4%, normally shared equally unless agreed otherwise. Mortgage registration: 0.25% of the loan. Additional charges apply; other emirates have different fees. DLD buyer guide ↗ · Registration service ↗
Excluded costs must be added to this figure. Confirm your full transaction statement before committing.
UNDERSTAND THE ASSUMPTIONS
A payment is one part of the decision. Your lender also reviews income, commitments, valuation and the property.
For a first owner-occupied home up to AED 5 million, the model uses 80% finance for resident expatriates and 85% for UAE nationals; above that threshold, 70% and 75%. Subsequent / investment purchases use 60% and 65%. Off-plan uses 50%.
The regulatory maximum is 25 years. The non-resident setting uses ADCB’s published 50% finance / 15-year example; it is bank-specific. Age, eligibility and property conditions can reduce the available term or finance.
The +2-point payment is a sensitivity illustration, not an eligibility result. After a fixed period, your actual rate may follow EIBOR plus a margin or another contractual benchmark.
Policy references reviewed 9 October 2026: CBUAE mortgage ratios ↗ · CBUAE consolidated mortgage regulations ↗ · ADCB non-resident example ↗
WHEN THE NUMBERS MEET THE SEARCH
Tell us about the home, the area and the budget you have in mind. Thumani brings the property conversation and the financing questions together.
Find my next step Explore buying a homeNo. It calculates a repayment illustration from your inputs. It does not review income, debts, credit history, valuation or lender eligibility. Explore mortgage pre-approval before committing to a purchase.
The model changes with residency, purchase purpose, property status and value. First-home limits assume an owner-occupied purchase. The lender can require more cash; the non-resident setting is a published bank example.
You can use a reducing-balance annual profit rate for an indicative equal-payment calculation. Islamic contracts can have different rental, purchase and payment arrangements. Confirm the schedule with the bank; see our Islamic financing guide.
The scenario keeps the scheduled payment and applies your extra amount to principal every month. It can shorten the term and reduce interest, before any charges. Actual banks may limit overpayments or apply different timing.
Banks may use daily interest, different payment dates, insurance, fees, rate resets and specific rounding. Compare your lender’s full payment schedule and Key Facts Statement. Our bank comparison guide helps organise those questions.
