UAE Loan & EMI Calculator
Popular Loan Calculators
Our most frequently used calculators to help you plan your finances
Personal Loan
Calculate EMI for personal loans from ADCB, FAB, Emirates NBD and more
Car Loan
Plan your car purchase with our comprehensive car loan calculator
Home Loan
Find the perfect mortgage for your dream home in the UAE
Business Loan
Finance your business growth with our business loan calculator
All Loan Calculators
Comprehensive suite of financial calculators tailored for UAE residents and businesses
Education Loan
Plan your education financing with our education loan calculator
Credit Card Loan
Calculate your credit card loan payments and interest
Islamic Bank Loan
Shariah-compliant loan calculations for Islamic banking
Salary-Based Loan
Calculate loans based on your salary and employment status
Self-Employed Loan
Loan calculators for self-employed individuals and business owners
Green Auto Loan
Special rates for environmentally friendly vehicles
Why Choose Our Calculators
Designed specifically for the UAE market, our calculators offer precision and clarity
Accurate Calculations
Our calculators use the latest interest rates and banking practices specific to the UAE market for accurate results.
Bank-Specific Options
Compare loan offerings from major UAE banks including ADCB, FAB, Emirates NBD, DIB and more.
Visual Insights
Easy-to-understand charts and amortization tables help visualize your loan repayment structure.
Smart Financial Tips
Expert advice to help you make better financial decisions in the UAE
The 50/30/20 Rule
Allocate 50% of your income for necessities, 30% for wants, and 20% for savings and debt repayment to maintain financial health.
Debt Burden Ratio
In the UAE, your total monthly loan repayments should not exceed 50% of your monthly income as per Central Bank regulations.
Emergency Fund
Build an emergency fund covering 3-6 months of expenses before taking on additional debt for financial security.
Compare Offers
Always compare at least 3 different loan offers to find the best interest rates and terms for your specific situation.
Frequently Asked Questions
Get answers to common questions about loans and financing in the UAE
UAE Banking Overview
Understanding the UAE banking sector to help you make informed loan decisions
Leading Banks in UAE
The UAE banking sector is led by Emirates NBD, First Abu Dhabi Bank (FAB), Abu Dhabi Commercial Bank (ADCB), Dubai Islamic Bank (DIB), and Mashreq Bank.
Islamic Banking
Islamic banking follows Shariah principles and uses profit rates instead of interest. Major Islamic banks include DIB, ADIB, and Emirates Islamic Bank.
Digital Banking
The UAE is embracing digital banking with platforms like Liv, Neo, and CBD Now offering paperless banking experiences with competitive rates.
Expatriate Banking
Expatriates in the UAE can access banking services with their residence visa, Emirates ID, and passport. Many banks offer dedicated expatriate packages.
Loan Eligibility in the UAE
General Requirements
- UAE residency (citizens or expatriates with valid visa)
- Minimum age of 21 years
- Minimum salary requirements (varies by bank)
- Clean credit history with Al Etihad Credit Bureau
Required Documents
- Emirates ID and passport copy
- Salary certificate or employment confirmation letter
- Last 3-6 months bank statements
- Visa and labor card (for expatriates)
Note: Requirements may vary by bank and loan type. Some loans require additional documentation like property details for mortgages or vehicle information for auto loans.
What Our Users Say
Thousands of UAE residents use our calculators to make better financial decisions
The loan comparison calculator helped me secure the best business loan rates in Dubai. Saved thousands in interest payments!
Ahmad Al Mansouri
Business Owner
I used the home loan calculator to plan my apartment purchase in Abu Dhabi. The EMI breakdown was extremely helpful for budgeting.
Sara Khan
IT Professional
As an expat, understanding UAE loan options was challenging. This calculator made it simple to compare personal loan options.
Michael Rodriguez
Expat Teacher
The government employee loan calculator showed me exactly what special rates I qualify for. Excellent tool for planning!
Fatima Al-Zaabi
Government Employee
How Our Calculators Work
Understanding the methodology behind our loan calculations
EMI Calculation Formula
Our calculators use the standard equated monthly installment (EMI) formula:
Where P is the principal loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the loan tenure in months.
Total Payment Calculation
Total Payment = EMI × Number of Months
Total Interest Calculation
Total Interest = Total Payment - Principal Amount
Amortization Schedule
Our calculators generate a month-by-month amortization schedule showing the breakdown of each payment into principal and interest components, along with the remaining loan balance after each payment.
Ready to Calculate Your Loan?
Use our comprehensive loan calculators to find the perfect financing solution for your needs in the UAE.
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