CBD Mortgage Calculator
Work out your Commercial Bank of Dubai repayment on Commercial Bank of Dubai’s own verified pricing — then let us check it within our 14-bank guide coverage, with no client brokerage fee.
Use this calculator to model payments with Commercial Bank of Dubai's indicative broker pricing as a starting point. Adjust the inputs for your scenario; the bank's current KFS and final offer control the actual rate, fees and eligibility.
Advertised rate — we confirm Commercial Bank of Dubai's current indicative pricing for your profile, free.
How to use the Commercial Bank of Dubai calculator
Set the property price, your deposit, the term and the rate above. It opens on 3.99% — Commercial Bank of Dubai’s lowest advertised fixed rate in our 21 September 2026 pricing file — so the figure you see starts from a real published number rather than a placeholder.
On an AED 1,500,000 property with 20% down over 25 years at that rate, the loan is AED 1,200,000 and the repayment lands around AED 6,327 a month. Change any input above to match your own case.
Commercial Bank of Dubai advertised rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.24% · 3-yr fixed | then 1.79% + 3M EIBOR | 2026-09-21 |
| Non-salary transfer | 4.59% · 5-yr fixed | then 1.79% + 3M EIBOR | 2026-09-21 |
| Non-salary transfer | 4.99% · 1-yr fixed | then 1.79% + 3M EIBOR | 2026-09-21 |
| Self-employed | 4.64% · 3-yr fixed | then 1.99% + 3M EIBOR | 2026-09-21 |
| Self-employed | 4.74% · 5-yr fixed | then 1.99% + 3M EIBOR | 2026-09-21 |
| Self-employed | 5.04% · 1-yr fixed | then 1.99% + 3M EIBOR | 2026-09-21 |
| Salary transfer | 3.99% · 3-yr fixed | then 1.79% + 3M EIBOR | 2026-09-21 |
| Salary transfer | 4.19% · 5-yr fixed | then 1.79% + 3M EIBOR | 2026-09-21 |
| Salary transfer | 4.89% · 1-yr fixed | then 1.79% + 3M EIBOR | 2026-09-21 |
Advertised rates taken from Commercial Bank of Dubai circulars, verified by Mortgease on the dates shown. Your own rate depends on profile, LTV and salary transfer - we confirm it free.
What the monthly figure includes — and what it does not
- Included: principal and rate on the loan, spread evenly across the term you choose.
- Not included: life cover and property insurance, which most UAE banks require and which add a modest amount on top each month.
- Not included: the one-off costs of buying — DLD transfer at 4%, agency around 2%, mortgage registration at 0.25% of the loan plus AED 290, trustee office fees, and Commercial Bank of Dubai’s valuation fee of about AED 3,150.
- Not included: what happens once the fixed period ends. That reversion rate is where a cheap-looking mortgage often stops being cheap — ask us before you sign.
What Commercial Bank of Dubai will need to lend you this
- Deposit: 20% on a first home up to AED 5M for expat residents, 30% above that, 15% for UAE nationals, and 40% on a second or investment property.
- Debt burden ratio: current CBUAE guidance describes 50% for expatriates and up to 60% for UAE nationals. Many lenders model card commitments from total limits, even at a zero balance, but treatment varies.
- Term: up to 25 years, subject to age limits at maturity.
- Valuation: Commercial Bank of Dubai charges about AED 3,150.
Not sure you clear the debt burden test? The DBR calculator works it out in a minute.
Latest verified Commercial Bank of Dubai updates
- CBD repricing lands 24 August — salary-transfer 3-year fixed at 3.99%, self-employed cut to 4.64%
- CBD reinstates standard LTV limits — April 2026 restrictions withdrawn
- CBD revises LTV framework — what residents, expats, and non-residents need to know
CBD calculator FAQs
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CBD mortgage overview → · UAE mortgage calculator → · All verified rates →
Same at other banks: Dubai Islamic Bank → · Emirates Islamic → · Emirates NBD →
Compare with other UAE banks
Not sure which bank fits your profile? See current UAE mortgage rates, check your eligibility, work out your DBR or estimate your monthly payment — then we review relevant lender routes with no client brokerage fee.