Your figures
Car loan, personal loan, credit card payments.
Example value: enter the rate offered by your lender.
Maximum property price
AED 1,260,000
Indicative simulation, not a loan offer, an approval or financial advice. Limits shown are the regulatory maximums; each lender applies its own credit policy. Interest rates are the ones you enter. Market figures are medians of Dubai Land Department registered data and describe the past, not future prices or returns.
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Borrowing capacity by interest rate
The rate is yours to enter: the rows below are scenarios, not market rates. All assume no other debt, a 25-year term and an expatriate buying a first home (80% maximum financing below AED 5 million).
| Rate scenario | Maximum monthly payment | Maximum loan | Maximum property price | Limited by |
|---|---|---|---|---|
| 3% | AED 6,000 | AED 1,008,000 | AED 1,260,000 | 7x annual income |
| 4% | AED 6,000 | AED 1,008,000 | AED 1,260,000 | 7x annual income |
| 5% | AED 6,000 | AED 1,008,000 | AED 1,260,000 | 7x annual income |
| 6% | AED 6,000 | AED 931,241 | AED 1,164,051 | 50% DBR |
Lenders also stress-test your file at a rate 2 to 4 points higher than the loan rate (CBUAE), so their figure can be lower.
By buyer profile
| Profile | Maximum loan* | Maximum financing | Maximum property price* |
|---|---|---|---|
| Expatriate, first home | AED 1,008,000 | 80% | AED 1,260,000 |
| Expatriate, investment property | AED 1,008,000 | 60% | AED 1,680,000 |
| UAE national, first home | AED 1,136,715 | 85% | AED 1,337,312 |
| Any buyer, off plan | AED 1,008,000 | 50% | AED 2,016,000 |
* Example rate 4% over 25 years, no other debts.
Dubai areas within reach on an AED 12,000 salary
Areas where the median registered price of at least one unit type is within the maximum property price above (AED 1.26 million, expatriate first home, example rate). Prices are DLD medians over the last 12 months: half of the sales were below, half above.
- Dubai World Central1-bed apartment · AED 1,159,290
- Jumeirah Village Circle1-bed apartment · AED 1,103,999
- Dubai Land Residence Complex1-bed apartment · AED 1,040,000
- Majan1-bed apartment · AED 1,100,000
- Business BayStudio · AED 1,148,228
- Jumeirah Village Triangle1-bed apartment · AED 1,232,418
- Motor City1-bed apartment · AED 1,139,927
- Arjan1-bed apartment · AED 1,185,752
- Dubai South Residential District1-bed apartment · AED 1,026,054
- International Media Production Zone1-bed apartment · AED 1,068,300
- Dubai Sports City1-bed apartment · AED 1,006,800
- City of Arabia1-bed apartment · AED 1,107,000
How the maximum is calculated
- 50% of AED 12,000 = AED 6,000 a month for all debt repayments (Central Bank debt burden ratio). Car loans, personal loans and credit card limits come off that amount first.
- That monthly payment converts into a loan at your rate and term: loan = payment × (1 − (1 + r)^−n) ÷ r.
- The loan may not exceed 7 years of annual income for an expatriate (AED 1,008,000) or 8 years for a UAE national (AED 1,152,000).
- The property price is the loan divided by the maximum loan-to-value; the rest is your down payment, to which you add about 4% of DLD fees in Dubai.
Frequently asked questions
How much mortgage can I get on an AED 12,000 salary in the UAE?
With no other debts, the Central Bank rules allow up to AED 6,000 a month of repayments. At an example rate of 4% over 25 years that supports a loan of about AED 1,008,000, so a home of up to about AED 1,260,000 for an expatriate first-time buyer. Enter your own rate for your figure.
How much down payment do I need on an AED 12,000 salary?
At the maximum price above, the down payment is about AED 252,000 (20%), plus Dubai Land Department fees of about 4% of the price. The down payment must come from your own funds, not from a personal loan or credit card (CBUAE).
Does my rental income count?
Regular income from a defined source counts toward the 50% ratio. For an investment property, the Central Bank asks lenders to deduct at least two months of rent to allow for vacancy.
Is the salary gross or net?
The Central Bank ratio uses gross salary and regular income. Bonuses and other non-guaranteed income are discounted or left out by lenders.
Go further
Once you know your budget, our partner brokerage Cevitas can shortlist ready and off-plan homes within it.