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
Credit cards, car loans, existing mortgages. UAE CB limits total debt to 50% of income.
Resident minimum 15–25% of price; non-resident 40%.
Residency
Max property price
Balanced budget
Based on ~40% debt-to-income, standard bank sweet-spot.
Scenarios
Conservative
AED
2.68M2.68M 25% of income on mortgage. Easy cushion for volatility and lifestyle.
Balanced (recommended)
AED
3M3M 40% debt-to-income. Bank-comfortable without stretching.
Aggressive
AED
3M3M 50% debt-to-income (UAE Central Bank ceiling). Tight — only if income stable.
- Balanced max loan
- AED
2,400,0002,400,000 - Balanced monthly payment
- AED
13,34013,340 - LTV cap
8080 %- Balanced DBR assumed
4040 %
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.
The down payment is the share the LTV cap doesn't cover. Expat residents typically need at least 20% on a first property up to AED 5M (25% above that), UAE nationals around 15%, and non-residents roughly 40%. Off-plan purchases often require more, paid in developer installments.
For salaried applicants: a salary certificate, the last 3–6 months of bank statements, Emirates ID and passport. Self-employed applicants usually provide a trade licence, 6–12 months of company and personal statements, and audited financials. Your Al Etihad Credit Bureau report is also pulled.
UAE mortgage rates generally fall in roughly the 3–6% range depending on whether the rate is fixed or variable, the term, and your profile. Fixed rates lock in for an initial period before reverting to a variable rate tied to EIBOR. Use a mid-range rate for a realistic affordability estimate.
UAE home loans typically run up to 25 years. Most lenders require the loan to be fully repaid by age 65 for salaried borrowers and around 70 for self-employed, so an older applicant gets a shorter term — which raises the monthly payment and lowers the affordable price.
Yes. Most UAE banks allow joint applications and combine both incomes when assessing affordability, which can raise your range. The DBR cap then applies to the combined gross income against the combined monthly debt of all applicants.
