Affordability Calculator
See the maximum you could realistically borrow, based on your income, existing debts, and the UAE's 50% Debt Burden Ratio cap.
Here’s your affordability
AED 3,000,000
AED 10,000
Understand Your Borrowing Power
Explore expert affordability guides to learn how lenders calculate your borrowing capacity, what affects your mortgage eligibility, and how to prepare before applying for a home loan.
Questions this calculator can't answer
A few things worth knowing before you treat this number as final.
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What's the difference between this and the Mortgage Calculator?
This one starts from your income and works out the maximum you could borrow. The Mortgage Calculator works in the opposite direction — it starts from a property value you already have in mind and tells you the monthly cost.
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Why does increasing my down payment change the result?
It doesn't change your maximum loan amount, which is capped by your DBR — but it does increase the implied property value you could afford, since the loan is added on top of whatever down payment you bring.
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My income includes bonus or commission — how is that handled?
This calculator assumes fixed salary only. Most banks only count a portion of variable income — often 50% or less, averaged over a year or two of payslips — so your real affordability may be lower than shown if a large share of your income is variable.
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Does this number guarantee I'll be approved for this amount?
No. This shows the maximum allowed under the DBR rule, not a guaranteed offer. Banks also assess your credit history, employment stability, and may apply their own internal limits below the Central Bank maximum.
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What exactly counts as "existing debt" in this calculation?
Car loans, personal loans, and the minimum payment due on any credit cards — even if you pay the full balance every month, banks count the minimum payment, not zero. Rent is not counted, since it ends once you own the property.