Mortgage Eligibility Calculator

Am I eligible for a mortgage in the UAE?

Enter your income and liabilities to instantly see how much you can borrow and all associated costs.

Your Financial Details

Monthly Income

AED

Total Monthly Liabilities (existing loans)

AED

Include all existing EMIs, personal loans, car loans, etc.

Total Credit Card Limit(s)

AED

Banks count 5% of your total credit card limit as a monthly liability.

Property Details

First-time buyer in UAE?

Property Type

Property Purchase Price

AED

Loan Tenure: 25 years

5 yrs25 yrs (max)

Bank Interest Rate (PA): 3.89%

2.89%4.89%

Typical range: 2.89% – 4.89% per annum depending on bank.

Agency Fee Basis

📊 Your Eligibility Summary

Fill in your details and click
"Calculate Eligibility" to see results.

How is your eligibility calculated?

Monthly Income

Your loan amount is typically capped at around 7× your annual income. Your total monthly loan repayments (including the new mortgage) must not exceed 49% of your monthly income — this is the UAE Central Bank's DBR limit.

Monthly Debt (DBR)

Banks assess your Debt-Burden Ratio — total monthly obligations as a percentage of gross monthly income. Credit card limits count as 5% per month. Lenders may apply a slightly higher stress-test rate to ensure affordability if rates rise.

Down Payment

First-time buyers need at least 20% down payment of the property price in cash (plus fees). Subsequent purchases also require 20%. Non-residents require 40%. Budget an additional ~7–8% for registration fees, agency fees, and other upfront costs.