Fixed period payment
During the fixed intro period your rate is locked, so the monthly payment is the standard amortising instalment on the full loan at the fixed rate over the whole term. It is the lower of the two figures.
Dubai mortgage reversion calculator
Most Dubai mortgages start on a low fixed rate for a few years, then revert to a higher variable rate. Move the sliders to see how much the monthly payment jumps when the fixed period ends.
Your loan
AED
yrs
%
yrs
%
The fixed period must be shorter than the total term. After it ends, the remaining balance re-amortises over the rest of the term at the revert rate.
Payment after the fixed period
AED 9,476/ month
up from AED 7,909 during the fixed period
- Payment increase
- AED 1,567 / month
- Increase (%)
- 19.8%
- Fixed monthly payment
- AED 7,909
- Balance when the fixed period ends
- AED 1,388,459
- Months: fixed / remaining
- 36 / 264
Indicative only, assuming a flat revert rate. Real variable rates track EIBOR plus a margin and move over time — stress-test a higher revert rate before you commit.
What the numbers mean
Reversion payment
When the fixed period ends, the remaining balance re-amortises over the rest of the term at the higher variable (revert) rate — so the monthly payment steps up. That step is the payment shock.
Balance at reversion
Only a few years of principal have been repaid by the time the fixed period ends, so most of the loan re-prices at the new rate — which is why even a modest rate rise moves the payment a lot.
Three realities to keep in mind
The teaser rate is temporary
Lenders advertise the low fixed rate; the revert rate (often EIBOR plus a margin of 1.5–2.5%) is what you pay for most of the term. Always model the payment at the revert rate, not the teaser.
Variable rates move
This assumes a flat revert rate, but EIBOR changes over time. Stress-test a revert rate a point or two higher than today's to see whether the payment is still comfortable.
You can refinance — at a cost
You can switch lender when the fixed period ends, but early-settlement and new-arrangement fees apply. Factor them in rather than assuming a free move to the next teaser rate.