UAE Debt Burden Ratio (DBR) Calculator

Check if you qualify for a UAE mortgage based on the Central Bank 50% DBR rule. Calculate your current debt ratio and maximum borrowing power.

The UAE Central Bank mandates that total monthly debt repayments cannot exceed 50% of a borrower gross monthly salary. This rule is strictly enforced by all UAE banks and mortgage lenders.

Your DBR includes all monthly financial obligations: existing home loan EMIs, personal loan payments, car loan repayments, and 5% of your total credit card limits. Banks use your gross salary before any deductions.

Common strategies to improve DBR eligibility: pay down or close credit cards, consolidate personal loans, add a co-borrower income, or provide proof of rental income.

Common Questions

What is DBR in UAE mortgage?

DBR (Debt Burden Ratio) = total monthly debt payments divided by gross salary × 100. UAE banks cap this at 50%.

How is DBR calculated in UAE?

Add all monthly loan payments + 5% of credit card limits, divide by gross salary. Anything up to 50% is eligible.

What if my DBR exceeds 50%?

You must reduce debt before applying. Options: clear loans, close credit cards, or add a co-borrower income.

Does overtime or bonus count for DBR?

Most UAE banks only count regular basic salary and fixed allowances. Variable income like bonuses may not be included by all lenders.