Emirates NBD Mortgage Calculator
Work out your Emirates NBD repayment on Emirates NBD’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 Emirates NBD'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 Emirates NBD's current indicative pricing for your profile, free.
How to use the Emirates NBD calculator
Set the property price, your deposit, the term and the rate above. It opens on 3.89% — Emirates NBD’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 6,261 a month. Change any input above to match your own case.
Emirates NBD advertised rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.49% · 2-yr fixed | then 1.99% + 1M EIBOR | 2026-09-21 |
| Non-salary transfer | 4.49% · 3-yr fixed | then 1.99% + 1M EIBOR | 2026-09-21 |
| Self-employed | 5.09% · 3-yr fixed | then 1.99% + 1M EIBOR | 2026-09-21 |
| Salary transfer | 3.89% · 2-yr fixed | then 1.99% + 1M EIBOR | 2026-09-21 |
| Salary transfer | 3.99% · 3-yr fixed | then 1.99% + 1M EIBOR | 2026-09-21 |
Advertised rates taken from Emirates NBD 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 Emirates NBD’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 Emirates NBD 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: Emirates NBD charges about AED 3,150.
Not sure you clear the debt burden test? The DBR calculator works it out in a minute.
Latest verified Emirates NBD updates
- Emirates NBD extends May 2026 pricing — PRB tagging, NIL PF restrictions, FTH valuation refund
- Emirates NBD expands off-plan financing — Sobha Realty, Nakheel, Meraas added to developer panel
- Emirates NBD overhauls April mortgage pricing — 5-year fixed discontinued, processing fees return
Emirates NBD calculator FAQs
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Emirates NBD mortgage overview → · UAE mortgage calculator → · All verified rates →
Compare with other UAE banks
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