Calculators
How much cash do you need on day one?
Banks finance part of the price. They don't finance the DLD fee, the agent, the trustee or the valuation. This is the number most buyers hear too late.
Cash you need on day oneAED 542,47027% of the price · loan AED 1,600,000 (80% LTV)
| Down payment (20%) | 400,000 |
| DLD transfer fee (4% + AED 580) | 80,580 |
| Trustee office fee (incl. VAT) | 4,200 |
| Mortgage registration (0.25% of loan + AED 290) | 4,290 |
| Agent commission (2% + VAT) | 42,000 |
| Property valuation | 3,000 |
| Bank processing fee (≈0.5% + VAT) | 8,400 |
| Fees the bank won't finance | 142,470 |
Estimated monthly payment
4.25% over 25 yearsAED 8,668
4.25% over 25 yearsAED 8,668
Illustrative rate 4.25%. Your advisor confirms live rates.
Valuation gap. If the bank values the property below the price, the bank lends on the lower figure and you pay the difference in cash. We order a valuation check before you sign where possible.
Fees are typical Dubai figures. Your advisor confirms the exact numbers for your bank.Cash on day oneAED 542,470Check my chances