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.
Want these numbers checked for your own case?
A free pre-assessment by a RERA-licensed Dubai brokerage: budget, financing and projects that fit.
What the regulation says about your income
- Repayment must come from salary or verifiable business or rental income (Art. 3.5).
- Lenders collect a full income and liabilities history and document every verification step (Art. 2.2).
- Non-standard or temporary income is discounted, or excluded when it is not certain (Art. 2.3).
- The assessment cannot rely on an expected rise in your earnings (Art. 2.3).
Example: AED 2 million first home, expatriate
| Item | Amount |
|---|---|
| Property price | AED 2,000,000 |
| Maximum loan (80%) | AED 1,600,000 |
| Minimum down payment | AED 400,000 |
| Monthly at 4% over 25 years (example) | AED 8,445 |
| Gross monthly income needed | AED 19,048 |
| DLD transfer fee (4%) + mortgage registration (0.25%) | AED 84,000 |
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
Can self-employed people get a mortgage in the UAE?
Yes. The Central Bank limits are the same as for employees; the lender must be able to verify your business income.
Does variable business income count in full?
Not necessarily: the regulation asks lenders to discount non-standard or temporary income and to exclude it when it is not certain (Art. 2.3).
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.