Mortgage Affordability Calculator

The Debt Burden Ratio (DBR) is the percentage of your monthly income that goes toward loan repayments. In UAE, it is capped at 50% for most residents by the Central Bank.

For a first property below AED 5 million, expatriates are generally required to pay at least 20% downpayment. For secondary/investment properties, it is 40%.

Banks typically look at your stable monthly basic salary plus regular allowances. Bonuses are usually averaged over 2 years and only a portion (e.g., 50%) might be considered.