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UAE Home Affordability Calculator

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 see your maximum borrowing-power scenario based on the displayed assumptions 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 an illustrative loan amount at the entered rate 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 repayment-capacity scenario
  • Estimated monthly repayment at the entered rate
  • Estimated deposit based on the buyer and property assumptions selected
  • 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 constrained by affordability, the applicable Loan-to-Value (LTV) limit and lender policy. For a qualifying first, self-use residential property under AED 5 million, the standard maximum LTV is 80% for an eligible expat resident and 85% for an eligible UAE national. This means minimum deposits of 20% and 15% respectively. Different limits or lender criteria can apply to non-residents, subsequent purchases, investment or off-plan property, higher-value property and individual affordability. The lender uses the lower of its valuation and purchase price where applicable. This calculator is an estimate, not an eligibility decision.

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