Calculators
What a bank could lend you.
Banks cap all your monthly debt at half your income, then test the loan at a higher rate than you would pay. Enter your figures and change the test rate to see both rules at work.
Borrowing calculator
These are example figures. Turn on JavaScript in your browser to enter your own.
Two limits, one answer.
The answer is the smaller of two ceilings: what your income can repay each month, and a multiple of your yearly income.
The 50% Limit Regulation
All your monthly debt repayments, the new mortgage included, cannot exceed 50% of your gross monthly income.
CBUAE Circular 31/2013, Article 3.1, from Regulation 29/2011, Article 7(a). Checked 26 Aug 2026.
The Stress Rate Regulation
Banks must test the loan at 2 to 4 percentage points above the current rate. Each bank picks its own figure within that rule, so we start at 6.00% and let you change it.
CBUAE Circular 31/2013, Article 3.1. Checked 26 Aug 2026.
Credit Cards Lender Practice
Banks count 5% of your total card limits as a monthly payment, whether or not you use the cards.
Lender practice on our bank panel. Checked 26 Aug 2026.
The Income Multiple Regulation
A loan cannot exceed 7 times yearly income for expatriates, which includes non-residents, or 8 times for UAE Nationals.
CBUAE Circular 31/2013, Article 3.4. Checked 26 Aug 2026.
The Term and your Age RegulationLender Practice
The term is 25 years at most. Banks also want the loan repaid by 65 for salaried applicants and 70 for the self-employed; the regulation itself sets no age.
CBUAE Circular 31/2013, Article 3.3. Age limits: lender practice on our bank panel. Checked 26 Aug 2026.
Rental Income Regulation
We count ten months of the year's rent, allowing for two empty months, and add it to your salary.
CBUAE Circular 31/2013, Article 3.1. Checked 26 Aug 2026.
This estimate tests the loan at 6.00%. The 50% limit and the income multiple are CBUAE regulation; the card rule and the age limits are lender practice. It is not an approval: each bank applies its own rules and decides after reviewing your application.
About your borrowing limit.
What is a debt burden ratio?
It is the share of your monthly income that goes on debt repayments. The Central Bank caps it at 50%, and the new mortgage payment counts towards it.
Why do my credit cards count if I do not use them?
Banks count 5% of each card's limit as a monthly payment, used or not, so an unused AED 200,000 limit counts as AED 10,000 a month. Whether lowering a limit helps depends on the rest of your file. Talk to a Specialist
What stress rate should I use?
Each bank sets its own, within the Central Bank's rule of 2 to 4 points above the current rate, and the higher it is, the less you can borrow. Which bank tests at which rate is what a specialist can tell you for your case. Talk to a Specialist
Why does my age matter?
Most banks want the loan repaid by 65 if you are salaried, or 70 if you are self-employed, so the closer you are, the shorter the term and the smaller the loan. Banks differ on this, so it is worth asking which suit you. Talk to a Specialist
Does rental income count?
We count ten months of the year's rent, allowing for two empty months. Each bank decides how much rental income it accepts and what proof it needs. Talk to a Specialist
Is this what a bank will lend me?
It is an estimate. Each bank applies its own stress rate, income rules and age limits, and decides after reviewing your application. A specialist can tell you which banks are likely to lend the most in your case. Talk to a Specialist
Know your limit? Find the bank that lends it.
Each bank tests differently. A specialist can tell you which banks on our bank panel suit your case.