1. Payments
Balance, entered rate, and term determine each payment.
Could changing my mortgage improve my position?
Compare current and proposed terms using the same deterministic rules as the assessment.
Your refinance comparison
- Current payment
- AED 7,200/month
- Proposed payment
- AED 6,300/month
- Monthly impact
- AED 800 lower
- Break-even
- 30 months
- Total financing-cost difference
- AED 176,100 lower
- Total upfront fees
- AED 25,000
Indicative—not an approval, quote or offer.
Continue to my assessmentAssumptions used
- Rates
- Consumer-entered
- Fees
- Paid upfront
- Market pricing
- Not applied
- Rules version
uae-existing-borrower-2026-07-30.1
How this calculation works
Current and proposed terms remain separate fixed-rate amortization scenarios. This calculator does not substitute aggregate market pricing or regulatory stress rates for your entries.
2. Fees
Settlement and transaction fees are paid upfront.
3. Total cost
Financing cost excludes principal and compares the remaining scenarios like for like.