Short answer: on a AED 3,000,000 commercial property financed at 60% loan-to-value over 15 years at an example rate of 7%, the loan is AED 1,800,000 and the monthly payment is about AED 16,180. You would need about AED 1,342,500 upfront: the 40% down payment plus a 4% transfer fee, 0.25% mortgage registration and an example 1% arrangement fee. Change any figure below to match your own property and offer.
How to use the commercial mortgage calculator
Enter the purchase price, the loan-to-value the bank has indicated, the interest rate from the offer and the term in years. The calculator shows the loan amount, the monthly payment, the down payment and the fees you pay on day one, so you can see the full cash you need before you commit. If the property is let or will be let, add the yearly rent to see whether it covers the mortgage.
What loan-to-value can you get on a commercial property in the UAE?
The UAE Central Bank publishes loan-to-value limits for residential mortgages only. For a genuinely commercial asset, such as an office, warehouse or retail unit bought through a company, each bank sets its own LTV. A realistic planning range is roughly 50-65%, often lower for newer businesses or specialist assets, and only confirmed at underwriting. Our commercial mortgage guide explains what moves that number.
What does Dubai Land Department charge?
We checked Dubai Land Department's own service pages on 2 November 2026:
| Fee | Amount listed by DLD | Notes |
|---|---|---|
| Transfer (sale registration) | 4% of the sale value | DLD's sale registration page lists 2% for the seller and 2% for the purchaser. In practice the split follows the sale agreement, and buyers often pay all of it. |
| Mortgage registration | 0.25% of the mortgage value | Paid when the bank registers its mortgage over the property. |
| Title deed and drawings | AED 250 per title deed, plus AED 10 knowledge and AED 10 innovation fee per drawing | Small fixed fees. |
| Service partner (trustee office) | AED 4,000 plus VAT for mortgage registration | Charged by the registration trustee office. |
Sources: Dubai Land Department e-services, "Request for mortgage registration" and "Request for sale of mortgaged property". Fees can change, so confirm with DLD or your trustee office. Ajman, Sharjah, Abu Dhabi and the other emirates run their own land departments with their own fees: set the transfer and registration fields to match.
Does the rent cover the mortgage?
For an investment property, banks look at how comfortably the income pays the debt. Rent cover here is the yearly rent divided by twelve monthly payments. Below 1, the business must top up the payments from its own cash flow. Above 1, the rent pays the mortgage with some margin for vacancies and service charges. Each bank sets its own minimum, so treat this as a first check, not an approval test.
How is the monthly payment calculated?
Commercial mortgages in the UAE are normally quoted on a reducing balance. The payment is L x r x (1 + r)n / ((1 + r)n - 1), where L is the loan amount, r is the annual rate divided by 12 (as a decimal) and n is the number of months. If an offer quotes a flat rate, convert it with our loan calculator before comparing.
What the calculator does not include
- Valuation fees, which the bank commissions at your cost
- Property and life insurance the bank may require
- Agency commission, service charges and VAT where it applies to commercial property
- Variable rate changes: many UAE mortgages move with EIBOR after a fixed period
- Early settlement fees if you repay or refinance early
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Frequently asked questions
There is no single Central Bank loan-to-value (LTV) cap for commercial property, so each bank sets its own. Planning ranges in the market are roughly 50-65% of the property value, often lower for newer businesses or specialist assets. The rest, plus fees, comes from your own funds.
On its own service pages (checked 2 November 2026), Dubai Land Department lists a transfer fee of 4% of the sale value, which its sale registration page splits 2% seller and 2% purchaser, and a mortgage registration fee of 0.25% of the mortgage value, plus small title deed and service partner fees. Who pays the transfer fee in practice is set by the sale agreement. Other emirates have their own land departments and fees.
The calculator uses the standard reducing-balance formula: payment = L x r x (1 + r)^n / ((1 + r)^n - 1), where L is the loan amount, r is the annual rate divided by 12 and n is the number of months.
Rent cover is the yearly rent the property earns divided by the yearly mortgage payments. A figure above 1 means the rent pays the mortgage. Banks financing an income-producing property look at this alongside the business's own accounts. Each bank sets its own minimum.
Commonly 5 to 15 years, occasionally longer for strong applicants. A longer term lowers the monthly payment but raises the total interest.
No. The starting rate is only an example. Enter the rate from your own offer. Fintrust can compare indications from several banks for your property and business.
This calculator is for illustration only and is not a lending offer. Actual payments, LTV and fees depend on the bank's terms and the property.
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