Mortgage Affordability Calculator
Get a Clear Picture of Your Budget in Less Than 60 Seconds.
Buying a property in Dubai is an exciting decision, but it all starts with one crucial question: “How much can I actually afford?” Understanding your mortgage affordability is the first step towards turning your dream into a reality. This guide, coupled with our powerful mortgage calculator, will demystify the process, explain Dubai’s specific regulations, and help you confidently determine your home buying budget.
An online calculator gives you an estimate. A mortgage pre-approval gives you power.
Know Your Exact Budget: Sellers and agents take you seriously.
Shop with Confidence: Focus only on properties within your financial reach.
Negotiate from a Position of Strength: Shows you are a serious, qualified buyer.
Lock-in Interest Rates: Protect yourself from potential rate increases during your search.
Dubai Mortgage Affordability Calculator
Understand your home buying potential according to UAE Central Bank guidelines
UAE Central Bank DSR Rule: Your total monthly debt (including new mortgage) cannot exceed 50% of your total monthly income.
Affordability Results
Maximum Mortgage
0 AED
Property Value Affordable
0 AED
Monthly Payment
0 AED
Total Interest
0 AED
Total Loan Cost
0 AED
DSR Exceeded: Your debt obligations exceed 50% of income. Reduce existing debts or increase income to qualify.
Additional Costs Not Included: DLD fee (4%), Agency fees (2%), DEWA, community fees, and property insurance.
Ready to Find Your Dream Home?
Stop guessing and start your journey with confidence. Let our expert mortgage advisors get you a definitive pre-approval certificate within 24 hours.
Got questions? We've got answers.
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For expats, it's generally 80% for properties under AED 5M (meaning a 20% down payment is required) and 70% for properties over AED 5M. For UAE nationals, it can be up to 85%.
Some banks may consider a percentage of proven rental income from other properties. Overseas income is typically considered only if it is deposited into a UAE account. Our advisors can clarify this based on your situation.
It provides a excellent estimate based on standard Central Bank rules. However, a final decision depends on a full assessment of your financial profile by a bank. For a guaranteed figure, a pre-approval is essential.
