Monthly Income
As a rule of thumb, your loan amount is usually capped at around seven times your annual income, and your total monthly loan payments shouldn’t go over 50% of what you earn each month.
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How is your eligibility calculated?
Monthly Debt
UAE banks assess your Debt-Burden Ratio (DBR) to decide how much you can borrow. It’s the percentage of your monthly income that goes toward repaying debts (including your future mortgage payments). Lenders use a slightly higher interest rate to calculate affordability — just to ensure you can still manage payments if rates rise.
Down Payment
If you're a resident, you'll typically need at least 20% of the property price in cash. For UAE nationals, it's often lower at 15%. Non-residents usually need a higher down payment. Don’t forget to budget for extra costs like fees, taxes, and registration — typically around an additional 8%.
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Frequently Asked Questions
It estimates how much you may be able to borrow based on your monthly income, existing liabilities, credit card limits, residency status, and whether this is your first UAE property purchase. Results are indicative and not a bank offer.