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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What counts, what does not
- Every existing debt counts in the ratio, credit card debt included (Art. 2.3).
- Bonuses and other non-standard income are discounted or excluded if not certain (Art. 2.3).
- Lenders also include normal household spending in their assessment (Art. 2.3).
- End-of-service benefits cannot be used to repay (Art. 3.5).
Maximum loan by salary (expatriate, no other debt)
| Gross monthly salary | Max. payment (50%) | Loan at 4%, 25 yrs | 7x cap |
|---|---|---|---|
| AED 15,000 | AED 7,500 | AED 1,420,894 | AED 1,260,000 |
| AED 20,000 | AED 10,000 | AED 1,894,525 | AED 1,680,000 |
| AED 30,000 | AED 15,000 | AED 2,841,787 | AED 2,520,000 |
| AED 50,000 | AED 25,000 | AED 4,736,312 | AED 4,200,000 |
The lower of the two limits applies. Example rate; lenders stress-test 2 to 4 points higher (Art. 3.1).
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
Does my credit card limit affect my mortgage?
Credit card debt is one of the obligations lenders must take into account (Art. 2.3), so it reduces the payment you can add.
Is my bonus counted?
Only if it is reliable; otherwise it is discounted or excluded (Art. 2.3).
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.