Dubai mortgage tools

Mortgage Affordability Calculator (Dubai)

How much Dubai property can your salary afford? Models DSR caps (50% for residents, 25% for non-residents), down payment minimums, and lender qualification rules.

Your finances

Gross monthly salary (AED)

Use total monthly income before tax (UAE has no income tax — gross = take-home).

Existing monthly EMIs (AED)

Car loans, personal loans, credit-card minimums.

Debt Burden Ratio (DBR) cap50%

UAE Central Bank caps total debt at 50% of income. Banks vary 35-50%.

Interest rate4.99%Loan tenure25 yearsDown payment %25%

20% min for residents, 25% for non-residents (up to AED 5M).

Maximum property price you can afford

AED 3,424,613

Based on AED 30,000/month salary at 50% DBR

Maximum EMI

AED 15,000

Maximum loan

AED 2,568,460

Required down payment

AED 856,153

Total upfront cash

AED 1,093,815

How this is calculated

DBR cap (50% of salary)AED 15,000
Less: existing EMIsAED 0
= Maximum new EMIAED 15,000
→ Maximum loan (25y at 4.99%)AED 2,568,460
→ Maximum property (25% down)AED 3,424,613