Car loans, credit cards, personal loans
Max Property Price
AEDÂ 1,926,691
Max Loan Amount
AEDÂ 1,626,691
Max Monthly Payment
AEDÂ 9,500
The DBR is the share of your monthly income that goes towards all debt repayments, including car loans, credit cards, and your mortgage. The UAE Central Bank caps this at 50%.
Expats need at least 20% down payment for their first property (25% if the property costs over AED 5 million). UAE nationals need 15-20%. Off-plan properties require at least 50%.
Budget for DLD transfer fee (4%), agency fees (2%), mortgage registration (0.25%), valuation fee, and life insurance. These typically add 7-8% on top of the property price.
Note: This is a guide only. Banks use their own affordability models which may include stress testing at higher rates. Speak to a mortgage advisor for exact figures.
Disclaimer: This calculator provides estimates based on current UAE Federal Tax Authority rates and MOHRE labour law provisions. It does not constitute professional tax, financial, or legal advice. Your actual entitlements may differ depending on your individual circumstances, employment contract, and applicable free zone regulations. Always consult a qualified adviser before making financial decisions. Read our terms
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