Your figures
Car loan, personal loan, credit card payments.
Example value: enter the rate offered by your lender.
Maximum property price
AED 2,625,000
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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Which limit bites first (expatriate, no other debt)
| Monthly income | 7x cap | DBR limit at 4%, 25 yrs | DBR limit at 7%, 25 yrs |
|---|---|---|---|
| AED 15,000 | AED 1,260,000 | AED 1,420,894 | AED 1,061,152 |
| AED 25,000 | AED 2,100,000 | AED 2,368,156 | AED 1,768,586 |
| AED 40,000 | AED 3,360,000 | AED 3,789,050 | AED 2,829,738 |
| AED 60,000 | AED 5,040,000 | AED 5,683,574 | AED 4,244,607 |
Example rates. At lower rates the 7x cap is usually the binding limit; at higher (or stress-tested) rates the debt ratio is.
The Central Bank rules in brief
They apply to every bank, finance company and Islamic lender in the UAE. They are maximums: a lender may be stricter.
- Expatriates: up to 80% of a first home below AED 5 million, 70% above, 60% for a second home or an investment (Art. 3.2).
- UAE nationals: up to 85% of a first home up to AED 5 million, 75% above, 65% for a second home or an investment (Art. 3.2).
- Off plan: up to 50% for every buyer, whatever the value or purpose (Art. 3.2 C).
- Debt burden ratio: 50% of gross salary and regular income, stress-tested 2 to 4 points above the loan rate (Art. 3.1).
- Maximum term 25 years; maximum loan 7 years of annual income for expatriates, 8 for nationals (Art. 3.3 and 3.4).
- The down payment must come from your own resources, not from a personal loan or a credit card (Art. 2.4).
Related rules
Frequently asked questions
How much can I borrow on my salary in the UAE?
The lower of 7 years of annual income (8 for nationals) and the loan whose payment keeps all your debts within 50% of income, tested at a higher rate.
Go further
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