Loan calculator UAE: personal loan, car loan and mortgage

Updated 22 Oct 2026

Loan calculator UAE: what the Central Bank allows

A personal loan in the UAE may be at most 20 times your monthly salary over 48 months, a car loan at most 80% of the price over 60 months, and all your instalments together at most 50% of your gross salary — the Central Bank's limits. The calculator below works out the instalment on the reducing balance: pick personal loan, car loan or mortgage.

Official rule: All your instalments together may not exceed 50% of your gross salary and regular income. (source, checked 2026-10-19)

Monthly instalment (EMI)AED 2,348.50

Total interest (or profit)AED 12,728.14

You repay AED 112,728.14 in all.

Fees, the regulator's limits and the month-by-month schedule: personal loan calculator UAE.

Not a valid document. Estimate for information only — not financial advice, not an offer of credit and not a bank document. Errors are possible. Only your bank's or finance company's official offer letter, contract and statements are binding.

Loan, car and mortgage maths for the UAE — calculated in your browser, with the Central Bank rules shown and dated. No sign-up, no phone calls, no "an advisor will contact you".

3-month EIBOR 4.20500% fixing of 16 October 2026, Central Bank of the UAEMany UAE mortgages follow this rate after the fixed period: your rate = EIBOR + the margin in your offer. What is EIBOR? · Mortgage calculator

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Guides

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About this site: Real Loan Rate is free and independent. No bank, lender or broker pays to appear, and every rule on these pages links to its official source with the date it was last checked. Who runs it and how it calculates.