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Mortgage Eligibility Calculator

Find the most you can borrow for a home in the UAE under the Central Bank's loan-to-value, 50% debt-burden and income limits, and the down payment you'll need.

Runs in your browser
AED
AED

Salary plus regular allowances.

AED

Car loan, personal loan, credit card payments.

%
pts

The Central Bank requires 2–4 points.

yrs

Maximum 25 years.

AED 1,600,000

Maximum mortgage · down payment AED 400,000 (20% of the price)

Loan-to-value: 80% of AED 2,000,000AED 1,600,000
Debt burden: 50% of income at 6.5% over 25 yearsAED 2,591,797
Income multiple: 7× annual incomeAED 2,940,000
Monthly payment at 4.5%AED 8,893

The limit that applies here is the Central Bank's loan-to-value limit.

Budget for purchase costs too

On top of the down payment, buyers in Dubai typically pay the Dubai Land Department transfer fee, mortgage registration, a valuation fee, bank arrangement fees and agency commission. Banks can't lend these, so they come from savings. Other emirates charge their own fees.

Source: CBUAE Regulations regarding Mortgage Loans (Circular 31/2013, amended by Resolution 31/2/2020). Banks may apply stricter limits. Not financial advice.

How to use

Choose expatriate or UAE national, enter the price and your gross monthly income, and any existing loan repayments. The calculator applies the three Central Bank limits and shows which one decides your maximum loan.

The three limits

  1. Loan-to-value — a percentage of the price, depending on who you are and what you're buying.
  2. Debt burden — all repayments within 50% of gross income, tested at a higher rate.
  3. Income multiple — 7× annual income for expatriates, 8× for nationals.

Worked example

An expatriate earning AED 35,000 a month buys a first home for AED 2,000,000. The LTV limit allows AED 1,600,000; the debt-burden test at 6.5% over 25 years allows AED 2,591,797; the income multiple allows AED 2,940,000. The maximum is AED 1,600,000, with a down payment of AED 400,000 and repayments of about AED 8,893 a month at 4.5%.

For the repayment schedule on the loan you choose, use the mortgage calculator.

Frequently asked questions

How much down payment do I need in the UAE?

For a first home worth AED 5 million or less: 20% for expatriates and 15% for UAE nationals. Above AED 5 million: 30% and 25%. For a second home or investment property: 40% and 35%. Off-plan purchases need at least 50%. These are Central Bank maximums; banks can ask for more.

What is the debt burden ratio?

Total monthly repayments on all your loans, including the new mortgage, can't exceed 50% of your gross monthly income. Banks must check this at a stressed rate 2 to 4 percentage points above the loan rate.

What is the maximum mortgage term?

25 years. Banks also set a maximum age at the final payment, often 65 for employees and 70 for self-employed borrowers.

Is there a limit based on income?

Yes — up to 7 times annual income for expatriates and 8 times for UAE nationals.

Can I use my end-of-service gratuity to repay?

No. The Central Bank's rules say repayments must come from salary or verifiable business or rental income; end-of-service benefits can't be counted.

Is anything I enter sent anywhere?

No. The calculation runs in your browser.

Not financial advice

This tool provides estimates for general information only and is not financial, tax, or legal advice. Figures may not reflect the latest rules — verify with GPSSA, MOHRE, MoF, CBUAE, RERA and FTA before making decisions.
  • Everything you type or open here is processed by your own browser. It is not sent to us and we could not read it if we wanted to.
  • Formatted for United Arab Emirates (en-AE), in AED.

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