BEST OFFERS
Employed Resident 3.89% | Self Employed Resident 4.19%
| Mortgage buyout from 3.99% fixed TODAY'S CURRENT EIBOR
On |
3.593720
One Week |
4.148240
One Month |
4.144580
Three Months |
4.226200
Six Months |
4.565430
TWELVE MONTHS |
4.722220
DSCR(Debt service coverage ratio)
This is used in commercial properties. It is the ratio between net annual rental income and the sum of annual mortgage payments.
DSCR = Annual net rental income / Annual mortgage debt service value.
In the UAE, banks require a minimum DSCR, often between 1.25 and 1.5, depending on the lender's requirements. A DSCR of 1.5 may also be expressed as 150% by some banks.
Best Mortgage Rates in UAE
Last updated 12 Oct 2026
Employed Resident
3.89%
Fixed for 2 years
Thereafter
1.79% + 3M EIBOR with a minimum floor rate of 2.49%
Property Insurance - 0.06% p.a.
Life Insurance - 0.0197% p.m
Employed Non Resident
4.19%
Fixed for 3 years
Thereafter
1.89% + 3M EIBOR with a minimum floor rate of 2.24%
Property Insurance - 0.05% p.a.
Life Insurance - 0.0102% p.m
Self Employed Resident
4.19%
Fixed for 3 years
Thereafter
1.89% + 3M EIBOR with a minimum floor rate of 2.24%
Property Insurance - 0.05% p.a.
Life Insurance - 0.0102% p.m
Self Employed Non Resident
4.19%
Fixed for 3 years
Thereafter
1.89% + 3M EIBOR with a minimum floor rate of 2.24%
Property Insurance - 0.05% p.a.
Life Insurance - 0.0102% p.m
Calculate Your Mortgage Repayments more accurately.
Calculate your mortgage with ease using FCMB Mortgage Calculator.
Explore your eligibility and affordability of mortgages with the Best Mortgage Calculator in UAE.
Calculate Now
Calculate your repayment schedule with a click
