What is Repayment Schedule?
Детальный график платежей по кредиту с разбивкой по каждому взносу на составляющие основного долга и процентов на весь срок кредитования, план амортизации.
Description
A repayment schedule (also called an amortization schedule) is a table that details eparticularly payment on a loan from the first installment to the final payoff. Each row shows the payment date, total payment amount, the portion allocated to interest, the portion reducing the principal, and the remaining balance.
For a mortgage of AED 1,500,000 at 4.5% over 25 years, the monthly payment is approximately AED 8,335. In the first month, about AED 5,625 goes to interest and AED 2,710 to principal. By year 15, the split reverses, more goes to principal reduction. UAE banks provide this schedule at loan origination.
Annuity (equal installments): Fixed monthly payment; interest portion decreases over time
Straight-line (equal principal): Principal stays constant; total payment decreases as interest drops
Balloon: Small regular payments with a large lump sum at maturity
How to interpret
The repayment schedule makes the cost of debt visible month by month. Use it to identify when your equity buildup accelerates, typically in the second half of a 25-year term. For investment properties, knowing the exact outstanding balance at any point helps you calculate net equity and plan refinancing or exit timing with precision.
Investors with multiple properties should maintain updated amortization schedules for each loan. This lets you calculate your total debt load, project when individual properties reach target LTV ratios for refinancing, and identify the most advantageous sequence for selling assets if you decide to reduce your portfolio.
Контекст рынка Дубая
UAE Central Bank regulations require banks to provide borrowers with a full repayment schedule before loan signing. Most Dubai mortgages use a reducing-balance method where the rate resets after an initial fixed period (typically 1 to 5 years). Understanding the schedule helps investors calculate when equity buildup accelerates.
Frequently asked questions
A detailed timeline showing each payment due on a loan, breaking down how much goes toward principal and interest over the loan term.
A repayment schedule (also called an amortization schedule) is a table that details eparticularly payment on a loan from the first installment to the final payoff. Each row shows the payment date, total payment amount, the portion allocated to interest, the portion reducing the principal, and the remaining balance.
The repayment schedule makes the cost of debt visible month by month. Use it to identify when your equity buildup accelerates, typically in the second half of a 25-year term.
UAE Central Bank regulations require banks to provide borrowers with a full repayment schedule before loan signing. Most Dubai mortgages use a reducing-balance method where the rate resets after an initial fixed period (typically 1 to 5 years).
Oliva feeds Repayment Schedule into a proprietary 6-dimension score that rates eparticularly Dubai project on Financial Value, Market Dynamics, Location, Developer Trust, Risk, Macro Context, and Liquidity. This keeps comparisons consistent across hundreds of listings.
UAE banks provide this schedule at loan origination. Annuity (equal installments): Fixed monthly payment; interest portion decreases over time Straight-line (equal principal): Principal stays constant; total payment decreases as interest drops Balloon: Small regular payments with a large lump sum at maturity
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This content is for educational purposes only and does not constitute investment, financial, legal, or tax advice. Yields, returns, and market data referenced are historical or estimated and are not guaranteed. Capital is at risk. Seek independent professional advice before making investment decisions. Oliva is a licensed Dubai real estate advisor (DLD Broker Card: 92025, RERA BRN: 1573501). Read our Key Risks Disclosure and Disclaimer.