UAE Home Affordability Calculator

Use Mortigo's free home affordability calculator to find out how much property you can afford to buy in the UAE. Enter your monthly income, existing commitments, and preferred loan term to instantly see your maximum borrowing power based on current UAE mortgage rates and Central Bank debt-burden ratio (DBR) rules.

How the UAE Affordability Calculator Works

The calculator applies the UAE Central Bank's Debt Burden Ratio (DBR) cap — typically 50% of gross monthly income — to determine how much of your salary can be allocated to mortgage repayments. It then calculates the maximum loan amount at current market rates (fixed and variable) and shows the estimated monthly repayment.

Key Inputs

• Gross monthly income (salary or business income)
• Existing monthly loan repayments (car loans, personal loans, etc.)
• Preferred loan term (up to 25 years for UAE residents)
• Residency status (UAE national, resident expat, or non-resident)

What You Get

• Maximum mortgage amount you qualify for
• Estimated monthly repayment at current market rates
• Required down payment (minimum 20% for expats, 15% for UAE nationals)
• Guidance on next steps to apply for a mortgage pre-approval

Affordability FAQs

How much mortgage can I get in the UAE?

Your maximum mortgage is capped by two rules: the Debt Burden Ratio (DBR) limit of 50% of gross monthly income, and the Loan-to-Value (LTV) limit set by the UAE Central Bank (75% for expats on properties under AED 5M, 80% for UAE nationals). Your maximum mortgage is whichever is lower between what the DBR formula allows and the LTV-based maximum loan amount. For example, earning AED 25,000/month with no existing debts, you can typically afford a mortgage up to approximately AED 1.5–1.8 million depending on the interest rate and term.

What is the UAE Debt Burden Ratio (DBR) and how does it affect my mortgage?

The Debt Burden Ratio (DBR) is the percentage of your gross monthly income that goes towards all debt repayments — including the new mortgage, car loans, personal loans, and credit card minimums. UAE Central Bank rules cap the total DBR at 50%. This means if you earn AED 30,000/month, your total monthly debt repayments cannot exceed AED 15,000. Existing commitments reduce the budget available for your mortgage, directly lowering how much you can borrow.

What is the minimum salary to get a mortgage in the UAE?

Most UAE banks require a minimum gross monthly salary of AED 10,000–15,000 for mortgage applications. The practical minimum depends on the property price — your salary must support the monthly EMI within the 50% DBR cap. For a AED 1M mortgage at 4% over 25 years (EMI ~AED 5,300/month), you typically need at least AED 15,000/month after existing commitments.

Next Steps

• Apply for a Mortgage — get pre-approved across 15+ banks in 10 minutes
• All UAE Mortgage Calculators — EMI, refinancing, DLD fees, and more
• DBR Calculator — check your Debt Burden Ratio in detail
• Current UAE Mortgage Rates — see what banks are offering today
• Expat Mortgages UAE — eligibility, LTV rules and best banks for expats