UAE Affordability

How much home can you afford?

UAE banks cap your Debt Burden Ratio at 50% of verified monthly income. Combine that with tiered LTV limits to see your realistic price ceiling.

AED 35,000
AED 3,500

Loans, credit card minimums, car finance.

4.25%
25 yrs
Max Property Price
AED 3,230,343

Based on 50% DBR and UAE Central Bank LTV caps for your profile.

Max Monthly EMIAED 14,000
Max Loan AmountAED 2,584,275
Required Down PaymentAED 646,069

How UAE affordability is calculated

  • Central Bank DBR cap: total monthly debt repayments cannot exceed 50% of verified monthly income.
  • Credit card limits (not balances) are counted as 5% monthly debt in most banks' assessments.
  • Expats: 80% LTV under AED 5M, 65% LTV at AED 5M and above.
  • UAE Nationals: 85% LTV under AED 5M, 75% LTV at AED 5M and above.