Dubai Property Calculator

The Dubai Property Calculator is a free tool from M R One Properties that estimates your mortgage EMI, Dubai Land Department (DLD) transfer fees, rental yield and ROI, and UAE Golden Visa eligibility, all in one place. Enter your numbers below to plan your purchase in seconds.

DLD transfer fee
4% of price
Min. down payment
20% (expats)
Good rental yield
6%+ gross
Golden Visa from
AED 2M

Calculation Results

Monthly EMI

AED 8,337

Down PaymentAED 500,000
Loan AmountAED 1,500,000
Total Interest PaidAED 1,001,246
Total Amount PaidAED 2,501,246

Disclaimer: These calculators provide estimates for informational purposes only. Actual fees, rates, and eligibility may vary. Consult with a qualified financial advisor or contact the Dubai Land Department for official figures.

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How much does it cost to buy property in Dubai?

Beyond the property price, buyers in Dubai should budget roughly 6-7% in one-time costs. The largest is the Dubai Land Department (DLD) transfer fee of 4% of the purchase price. The full breakdown for 2026 is below.

CostAmountNotes
DLD transfer fee4% of pricePaid to the Dubai Land Department at transfer
DLD admin feeAED 580AED 430 for land; AED 40 for off-plan
Trustee registration feeAED 4,000 + VATAED 2,000 for properties under AED 500k
Agency commission2% + VATStandard brokerage fee in Dubai
Mortgage registration0.25% of loanOnly if buying with a mortgage (+ AED 290)
Bank arrangement feeUp to 1% of loanCharged by the lender; varies by bank

How to calculate the total cost of buying property in Dubai

  1. 1

    Start with the property price

    Enter the agreed purchase price of the property in AED. This is the base figure all fees are calculated from.

  2. 2

    Add the 4% DLD transfer fee

    Multiply the property price by 4% (0.04) to get the Dubai Land Department transfer fee, the largest single transaction cost.

  3. 3

    Add registration and admin fees

    Add the DLD administrative fee (AED 580 for apartments/offices, AED 430 for land) and the trustee office registration fee (around AED 4,000 + VAT).

  4. 4

    Add agency commission

    Add the real estate agency commission, standardly 2% of the property price plus 5% VAT.

  5. 5

    Add mortgage costs if financing

    If buying with a mortgage, add the 0.25% DLD mortgage registration fee plus the bank's arrangement fee (typically up to 1% of the loan).

  6. 6

    Sum the total upfront cost

    Add every line item to the property price. In Dubai, expect total one-time buying costs of roughly 6-7% of the property value on top of the price.

How is a Dubai mortgage EMI calculated?

A mortgage EMI (Equated Monthly Instalment) in Dubai is calculated with the standard amortisation formula. Your monthly payment depends on the loan amount, the interest rate, and the tenure.

EMI formula

EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1)

Where P = loan amount, r = monthly interest rate (annual rate ÷ 12), and n = number of monthly payments (years × 12). Under UAE Central Bank rules, expatriate buyers need a minimum 20% down payment on a first home priced up to AED 5 million, so banks finance up to 80% of the value.

Dubai property calculator: frequently asked questions

How much are the DLD fees when buying property in Dubai?
The Dubai Land Department (DLD) charges a 4% property transfer fee on the purchase price, plus an administrative fee of AED 580 for apartments and offices (AED 430 for land). Buyers should also budget roughly 2% agency commission and a AED 4,000 trustee registration fee. In total, one-time purchase costs usually add about 6-7% on top of the property price.
How is a mortgage EMI calculated in Dubai?
A Dubai mortgage EMI is calculated with the standard formula EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12), and n is the number of monthly payments. For example, a AED 1,500,000 loan at 4.5% over 25 years works out to roughly AED 8,340 per month.
What is the minimum down payment for a mortgage in Dubai?
Under UAE Central Bank rules, expatriate buyers need a minimum 20% down payment on a first property priced up to AED 5 million (so banks finance up to 80%), and 30% above AED 5 million. UAE nationals need 15% down on a first property up to AED 5 million. Off-plan purchases typically require a 50% down payment.
What is a good rental yield in Dubai?
A good gross rental yield in Dubai is generally 6% or higher. Apartments in communities such as Jumeirah Village Circle (JVC), Business Bay, and Dubai Marina often deliver gross yields of 6-8%, among the highest of any major global city. Villas usually yield less (around 4-6%) but offer stronger capital appreciation.
How much property do I need to buy to get the UAE Golden Visa?
You need to invest at least AED 2,000,000 in Dubai real estate to qualify for the 10-year UAE Golden Visa. The property must be freehold, and multiple properties can be combined to reach the threshold. Off-plan properties may qualify if they meet the required completion or payment milestones set by the GDRFA.
Can foreigners get a mortgage to buy property in Dubai?
Yes. Foreign residents and non-residents can obtain mortgages from UAE banks. Residents typically borrow up to 80% of the property value, while non-residents are usually limited to 50-75%. Loan tenures run up to 25 years, and most banks cap the mortgage end date at the borrower's retirement age (around 65-70).
What is the DLD mortgage registration fee in Dubai?
The DLD charges a mortgage registration fee of 0.25% of the loan amount plus a AED 290 issuance fee. On a AED 1,500,000 mortgage, that equals about AED 4,040. This is a one-time cost paid at the time the mortgage is registered against the title deed.
Are there annual property taxes in Dubai?
Dubai has no annual property tax and no capital gains tax on residential real estate. Recurring costs are limited to annual service charges (paid per square foot to the community/building) and, for rentals, a 5% housing fee levied through DEWA utility bills. This tax-free structure is a key reason Dubai rental yields are so attractive.

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Last updated: July 2026. Figures reflect Dubai Land Department, UAE Central Bank, and GDRFA published rules.

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