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Compare the same loan over the same term. These are alternative fixed-rate scenarios, not forecasts or a lender affordability test.
2,667,995.88 AED in loan repayments, including 1,067,995.88 AED interest. Fees and ownership costs are separate.
| Year | Principal repaid | Interest | Balance remaining |
|---|---|---|---|
| 1 | 35,444.96 AED | 71,274.88 AED | 1,564,555.04 AED |
| 2 | 37,073.32 AED | 69,646.52 AED | 1,527,481.72 AED |
| 3 | 38,776.44 AED | 67,943.4 AED | 1,488,705.28 AED |
| 4 | 40,557.83 AED | 66,162.01 AED | 1,448,147.45 AED |
| 5 | 42,421.02 AED | 64,298.82 AED | 1,405,726.43 AED |
| 6 | 44,369.87 AED | 62,349.97 AED | 1,361,356.56 AED |
| 7 | 46,408.2 AED | 60,311.64 AED | 1,314,948.36 AED |
| 8 | 48,540.18 AED | 58,179.66 AED | 1,266,408.18 AED |
| 9 | 50,770.11 AED | 55,949.73 AED | 1,215,638.07 AED |
| 10 | 53,102.49 AED | 53,617.35 AED | 1,162,535.58 AED |
| 11 | 55,541.99 AED | 51,177.85 AED | 1,106,993.59 AED |
| 12 | 58,093.59 AED | 48,626.25 AED | 1,048,900 AED |
| 13 | 60,762.38 AED | 45,957.46 AED | 988,137.62 AED |
| 14 | 63,553.83 AED | 43,166.01 AED | 924,583.79 AED |
| 15 | 66,473.46 AED | 40,246.38 AED | 858,110.33 AED |
| 16 | 69,527.25 AED | 37,192.59 AED | 788,583.08 AED |
| 17 | 72,721.3 AED | 33,998.54 AED | 715,861.78 AED |
| 18 | 76,062.13 AED | 30,657.71 AED | 639,799.65 AED |
| 19 | 79,556.38 AED | 27,163.46 AED | 560,243.27 AED |
| 20 | 83,211.21 AED | 23,508.63 AED | 477,032.06 AED |
| 21 | 87,033.91 AED | 19,685.93 AED | 389,998.15 AED |
| 22 | 91,032.23 AED | 15,687.61 AED | 298,965.92 AED |
| 23 | 95,214.24 AED | 11,505.6 AED | 203,751.68 AED |
| 24 | 99,588.36 AED | 7,131.48 AED | 104,163.32 AED |
| 25 | 104,163.32 AED | 2,556.4 AED | 0 AED |
Monthly interest and payments are rounded to the nearest fils. The final payment is adjusted to clear the balance (8,893.2 AED).
This model uses a reducing balance, monthly payments and a constant annual nominal rate. It does not model introductory-rate resets, staged drawdowns, early repayment, lender APR or a specific Islamic financing product.
The term is capped at 25 years using the CBUAE mortgage regulations. Eligibility and loan-to-value limits depend on the case and are not assessed here.
The optional Dubai fee lines use the DLD sale-fee guide: 4% total, shared equally unless agreed otherwise; and DLD mortgage registration: 0.25% of the loan. Additional registration, trustee and lender fees may apply. Edit your share and enter the rest.
Official references checked 2026-10-29. Other emirates use their own fee arrangements. Rates and all other costs are your scenario inputs.