Buy your UAE home with
confidence.
Mortgage Affordability for the UAE calculates the maximum property price you can finance under UAE Central Bank Circular 31/2013, given your gross monthly income, existing debts, down payment percentage, and the prevailing mortgage rate.The result respects two binding constraints simultaneously: a debt-burden ratio (DBR) capped at 50% of gross income, and a loan-to-value (LTV) ceiling that varies by buyer type and property — 80% LTV for expat first home, 85% for UAE nationals, 65–70% for a second property, and 50% for off-plan. The monthly payment uses standard 25-year amortization at the current rate, and your maximum property is whichever cap binds first — income-cap or LTV-cap — producing the lower number. Rates and bank policies are re-verified monthly against 16 UAE lenders. Planning tool, not financial advice. Sample scenario; bank approval depends on credit history, residence visa status, and individual underwriting.
Tell us about your income.
Banks count salary components differently. Basic gets full weight, housing allowance gets half, other allowances zero.
Your monthly obligations
What you're buying
Your max property is one click away.
Fill in your inputs and click below to reveal what UAE banks will lend you, your monthly payment, and the cash you'll need upfront.
Built on official UAE data.
Mortgage rules and LTV bands reference UAE Central Bank Circular 31/2013 and subsequent guidance. DLD fees from Dubai Land Department. Bank market rates re-verified monthly across FAB, ENBD, ADCB, Mashreq, RAKBANK, CBD, HSBC, SC, Citi, NBF, ADIB, DIB, Emirates Islamic, Liv, Wio, Al Hilal.
Key UAE NumbersMethodology & Data Sources — 20 UAE-specific inputs cited (click to expand)
How the calculator works.
Your income, the way banks see it
Banks fully count your basic salary, half your housing allowance, and ignore other allowances. We subtract your existing monthly debts to find what's free for a new mortgage.
Two UAE Central Bank rules
The down payment requirement depends on your buyer type and the home's price. Total debt can't exceed half of your qualifying income.
Whichever is lower wins
We take the lower of two limits — what your income supports and what banks will lend. That is your maximum property. Your monthly payment uses the same amortization banks use.