Dubai calculators

Affordability calculator.

How much Dubai property can you actually afford? See your max price across three scenarios — built on UAE Central Bank LTV and debt-burden ratio rules.

Your finances

Monthly household income

AED/mo

Monthly debt payments

AED/mo

Credit cards, car loans, existing mortgages. UAE CB limits total debt to 50% of income.

Available down payment

AED

Resident minimum 15–25% of price; non-resident 40%.

Residency

Loan term25 y

530

Assumed interest rate4.50%

3%8%

Max property price

Balanced budget

AED

3,000,000

Based on ~40% debt-to-income, standard bank sweet-spot.

Scenarios

Conservative
AED2.68M
25% of income on mortgage. Easy cushion for volatility and lifestyle.
Balanced (recommended)
AED3M
40% debt-to-income. Bank-comfortable without stretching.
Aggressive
AED3M
50% debt-to-income (UAE Central Bank ceiling). Tight — only if income stable.

Balanced max loan: AED2,400,000
Balanced monthly payment: AED13,340
LTV cap: 80%
Balanced DBR assumed: 40%

Idigov pairs this range with a real UAE lender pre-approval, typically in 3–7 working days.

Answers

Frequently asked.

We use UAE Central Bank rules: (1) LTV cap — 80% for residents on first property ≤ AED 5M, 75% above; 60% for non-residents. (2) Debt-Burden Ratio cap — your total monthly debt service cannot exceed 50% of gross monthly income. Conservative = 25% DBR, balanced = 40%, aggressive = 50%.
Credit card minimum payments, car loans, existing mortgages, personal loans, education loans, and any formally reported installments. Service charges and utility bills don't count. Be conservative — banks see the full picture via the Al Etihad Credit Bureau report.
The aggressive scenario shows the theoretical ceiling under UAE Central Bank rules (50% DBR). In practice, banks apply stricter internal underwriting and your actual approval will usually sit between our conservative and balanced scenarios depending on credit history and stability.
No — the affordable price assumes the down payment is ring-fenced for the down payment only. Budget an additional 7–8% of property price for DLD fees, agency commission, mortgage arrangement, and valuation. Our DLD fees calculator gives you the exact breakdown.
Request a formal pre-approval letter from a UAE lender. This confirms your range with a specific institution, gives you negotiating leverage when submitting a Form F MOU, and typically takes 3–7 working days with complete documentation.

Frequently asked.

We use UAE Central Bank rules: (1) LTV cap — 80% for residents on first property ≤ AED 5M, 75% above; 60% for non-residents. (2) Debt-Burden Ratio cap — your total monthly debt service cannot exceed 50% of gross monthly income. Conservative = 25% DBR, balanced = 40%, aggressive = 50%.

Credit card minimum payments, car loans, existing mortgages, personal loans, education loans, and any formally reported installments. Service charges and utility bills don't count. Be conservative — banks see the full picture via the Al Etihad Credit Bureau report.

The aggressive scenario shows the theoretical ceiling under UAE Central Bank rules (50% DBR). In practice, banks apply stricter internal underwriting and your actual approval will usually sit between our conservative and balanced scenarios depending on credit history and stability.

No — the affordable price assumes the down payment is ring-fenced for the down payment only. Budget an additional 7–8% of property price for DLD fees, agency commission, mortgage arrangement, and valuation. Our DLD fees calculator gives you the exact breakdown.

Request a formal pre-approval letter from a UAE lender. This confirms your range with a specific institution, gives you negotiating leverage when submitting a Form F MOU, and typically takes 3–7 working days with complete documentation.