Tools / Property
UAE mortgage affordability calculator
Free UAE calculator. UAE Central Bank LTV caps: 80% for residents on first property up to AED 5M; 50% for non-residents. DBR cap 50% of monthly income across all debt.
LTV cap
80%
Max loan: AED 1,600,000
7× income cap
AED 2,940,000
50% DBR cap
AED 2,788,610
Binding max loan
AED 1,600,000
Monthly repayment
AED 8,893
Deposit required
AED 400,000
How this calculator works
- Enter the inputs above. Provide the figures the calculator asks for — wages, dates, contract type, etc. We use only the values you enter; nothing leaves your browser.
- We apply the UAE-law rule. UAE mortgage affordability calculator runs the formula defined by the relevant UAE statute. The math follows the official text, not a third-party shortcut.
- Read the result and the breakdown. The headline number is shown alongside any caps, eligibility flags, and step-by-step working so you can verify the figure against your contract or the law.
- Take next steps. If the result confirms a right or obligation you want to act on, talk to a UAE-licensed lawyer through the link below or browse the Q&A library for follow-up questions.
Related questions answered on uaelaw.ai
Information, not legal advice. This calculator is for orientation only. Specific situations vary — consult a UAE-licensed lawyer for advice on your matter.