Houzzhunt Mortgage
Mortgage Decision Engine

Your Complete Mortgage Intelligence Tool

Calculate EMI, check affordability, stress-test rates, and get a full cost breakdown — powered by real UAE mortgage rules and EIBOR rates.

Real-Time Calculations Bank-Grade Rules EIBOR Pricing Instant Results

Your Eligibility Rules

Max LTV80%
Max Tenure25 yrs
DBR Cap50%
Min SalaryAED 15,000
Current EIBOR (3M)
3.5805%

After the fixed period, rate reverts to EIBOR + margin

%

Minimum rate: 3.99%

AED
20%

AED 300,000

Min 20%80%
25 Years
5 Years25 Years

Loan Amount

AED 1,200,000

20% down payment (4.49% rate)

Monthly EMI

AED 6,663

Total Interest

AED 798,954

Payment Split

Principal vs Interest

Total

AED 1,998,954

Principal (60%)Interest (40%)

Stress Test

What if interest rates increase?

+1.0%
+0%+5%

Current EMI

AED 6,663

Stressed EMI

AED 7,362

+AED 699 per month (+10.49%)

Upfront Costs

Down PaymentAED 300,000
DLD Fee (4%)AED 60,000
Trustee FeeAED 4,200
Valuation Fee (VAT incl.)AED 2,625
Mortgage Registration (0.25%)AED 3,000
Bank Processing Fee (1%)AED 12,000

* Valuation fee ranges from AED 2,625 to AED 3,150 (incl. VAT) depending on the bank

Total Upfront CostAED 381,825

Monthly EMI

AED 6,663

Simple Process

How It Works

01

Set Your Profile

Choose your nationality and employment type to automatically apply UAE Central Bank mortgage rules.

02

Choose Rate Type

Pick a fixed rate or use live EIBOR tenor rates with a bank margin to set your effective interest rate.

03

Enter Details

Input property price and down payment for EMI, or your income and debts for affordability analysis.

04

Get Full Breakdown

See charts, amortization, stress tests, and upfront costs — everything you need to make a smart decision.

What's Included

Calculator Features

EMI Calculator with real-time results
Affordability Calculator (reverse EMI)
EIBOR-based pricing with bank margin
Nationality-specific rules engine (LTV, DBR)
Salaried & self-employed support
Interactive donut & amortization charts
Year-by-year amortization schedule
Rate stress testing (what-if analysis)
Upfront cost breakdown (ready & off-plan)
Credit card obligation auto-calculation
Mobile-optimized with sticky summary bar
Expert mortgage advice via one click
Ready to Apply?

Like What You See? Get Pre-Approved

Now that you know your estimated payments, take the next step and apply for mortgage pre-approval. Our team will get back to you within 24 hours.