CBUAE DBR Framework
How Much Can I Borrow?
Evaluate your maximum borrowing capacity and maximum property price based on the Central Bank 50% Debt Burden Ratio cap.
Estimated Maximum Borrowing
AED 2,510,000
Max monthly mortgage payment: AED 13,500
Estimated Max Property Value
AED 3,137,500
Required Down Payment
AED 627,500
Current Debt Commitments
AED 4,000
Current DBR Utilization
11.4% (Max 50%)
Eligible Loan Tenure
25 Years (Matures at 60)
*Reverse annuity calculation based on max allowable monthly payment = (Gross Income × 50%) − existing debts − (5% × card limits).
CBUAE Regulatory Guidelines
- Debt Burden Ratio: Under CBUAE regulations, no individual may commit more than 50% of verified monthly income toward debt repayments.
- Credit Card 5% Factor: Banks must treat 5% of your total credit card limit as an active monthly liability regardless of your actual monthly spend.
- Maturity Age Limits: Mortgages must mature by age 65 for salaried expatriates and age 70 for self-employed individuals and UAE Nationals.
Calculator Disclaimer: Estimates for illustration only, based on your inputs and the assumptions shown. Not a mortgage offer or pre-approval. Nothing you enter is stored or sent — calculations run in your browser.
Explore Your UAE Mortgage Options
Run your figures privately with our interactive browser-only calculators or review regulatory eligibility criteria before submitting your application.
1. Check Affordability
Assess maximum borrowing based on the CBUAE 50% DBR cap.
2. Estimate Buying Costs
Calculate DLD transfer, trustee, valuation, and agency fees.
3. See Eligibility
Review residency, salary, tenure, and credit score guidelines.
4. Get Documents Ready
Download or print tailored checklists for your profile.