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DBR Calculator UAE

Check your debt burden ratio the way UAE banks do — in seconds.

Used only to select the relevant regulatory DBR ceiling. A bank can still apply a lower internal limit.

Car loan, personal loan and other EMIs you pay each month.

Planning assumption: ~5% of total card limits. Exact treatment varies by bank and may also reflect balances or instalment plans.

Add the monthly payment you're considering to see your DBR after the mortgage. Not sure? Estimate it here.

Your debt burden ratio
8%
against an indicative 50% ceiling · room for a mortgage payment of up to AED 0/mo
 

How we worked this out

Loan EMIs countedAED 0/mo
Credit cards counted ~5% of total limitsAED 0/mo
Planned mortgage paymentAED 0/mo
Total commitments vs income0% DBR

Indicative, using current CBUAE DBR guidance and a ~5%-of-card-limits planning assumption. The UAE-national ceiling is not automatic and every bank applies its own underwriting — we confirm your real position free.

DBR looking tight — or better than you thought? We'll show you exactly how each bank reads your file — and how to free up borrowing power. Free, in 24 hours.
Review my DBR free

What is DBR? (Debt burden ratio, explained)

DBR — debt burden ratio — is the share of your monthly income that goes to debt. Current CBUAE guidance describes maximum total commitments, including the proposed mortgage, of 50% for expatriates and 60% for UAE nationals. The 60% ceiling is not an entitlement: a lender may use a lower limit after reviewing the file.

The formula is simple: DBR = total monthly debt commitments ÷ gross monthly income. Loan EMIs count in full. For credit cards, 5% of total limits is a common planning assumption, not a universal regulatory formula; a lender may use a different percentage or account for outstanding balances and instalment plans separately.

Why DBR decides your mortgage

For an expatriate, whatever is left between current commitments and the 50% ceiling is the indicative room for a mortgage payment. On a AED 25,000 income with AED 2,000 of EMIs and AED 30,000 of card limits, the planning result is 25,000 × 50% − 2,000 − 1,500 = AED 9,000/month. A UAE national can select that profile above to see the separate 60% ceiling. Both figures remain subject to lender underwriting.

See how your DBR converts into a maximum loan →  ·  Estimate a monthly payment →

DBR FAQs

What does DBR mean?
Debt burden ratio — your total monthly debt commitments as a percentage of gross monthly income. Current CBUAE guidance describes ceilings of 50% for expatriates and 60% for UAE nationals, including the proposed mortgage.
Do credit cards count if I pay them in full?
Usually. Many lenders model about 5% of total card limits as a monthly commitment, but the exact method varies and balances or instalment plans may also be assessed. Reducing unused limits can improve capacity.
What's the maximum DBR for a UAE mortgage?
CBUAE guidance describes 50% of gross monthly income for expatriates and 60% for UAE nationals, including the proposed mortgage. Banks can apply a lower limit, and 60% is not automatic.
How do I reduce my DBR quickly?
Close or reduce unused card limits, settle small loans, consolidate debt, or apply jointly so a second income is counted. We advise on the fastest route free of charge.
Is DBR the same at every bank?
No. Regulatory ceilings differ by borrower profile, and lenders may be stricter. They also differ in how they count variable pay, rental income and cards, which is why a bank-by-bank assessment matters.