Affordability Tool
How much mortgagecan you afford?
Calculate your maximum borrowing capacity based on your monthly income, existing debts, and UAE Central Bank debt service ratio (DSR) rules. This calculator follows UAE mortgage regulations for accurate estimates.
UAE Central Bank allows up to 50% DSR for residents, up to 65% for high-income earners (AED 50K+ monthly).
Maximum Property Value
AED 4,797,609
Based on 50% DSR limit
Mortgage Amount
AED 3,598,206
Required Down Payment (25%)
AED 1,199,402
Non-residents may require 30-35%
Maximum Monthly Payment
AED 20,000
Out of AED 50,000 income
How UAE Mortgage Affordability Works
The UAE Central Bank regulates how much you can borrow based on your income and existing debts. This is called the Debt Service Ratio (DSR).
- Standard DSR: Up to 50% of monthly income for residents
- High Earners: Up to 65% for incomes above AED 50,000/month
- Non-Residents: Typically assessed at 50% DSR
- Existing Debts: Car loans, credit cards, personal loans reduce borrowing power
Down Payment Requirements
UAE regulations require minimum down payments based on property value and buyer status.
UAE Residents (First Property)
20-25%
Minimum down payment
UAE Residents (Second Property+)
30-35%
Higher deposit required
Non-Residents / Expats
25-35%
Typically 25% minimum