Mortgage Pre-Check

Calculate Your Buying Power

Get an instant indication of your mortgage feasibility for Spain or Dubai as an NL resident. This is an estimate — not financial advice.

Property Details

Property Price (AED)

AED 500,000

Own Funds (AED)

AED 200,000

Income & Debts

Annual Gross Income (EUR)

Monthly: € 7.083

Monthly Debts (EUR)

Existing loans, credit cards, alimony, etc.

Loan Parameters

Term (years)

Interest (%)

Not feasible based on current data

Based on AED 500,000 property, AED 200,000 own funds, NL non-resident.

Loan Amount

AED 341,200

LTV

68.2%

Monthly Payment

AED 1,897

Stress Test (6.5%)

AED 2,304

DTI Ratio

33.8%

Buffer Score

Low

Cash Overview

Down paymentAED 158,800

Total fees & taxesAED 42,053

Total cash neededAED 200,853

Your own fundsAED 200,000

Cash remaining-AED 853

Fees & Taxes Breakdown (Dubai)

DLD Registration (4%)(4%)AED 20,000

Agency fee (2%)(2%)AED 10,000

Mortgage registration(0.25%)AED 853

Valuation feeAED 3,000

Admin feeAED 4,200

Trustee feeAED 4,000

TotalAED 42,053

Points of Attention

Insufficient own funds to cover down payment and fees
Low cash buffer after purchase

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This calculator provides estimates based on configured assumptions. Results do not constitute financial advice, underwriting, or an offer of credit. Always verify terms with licensed providers.

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