What is the minimum salary for a mortgage in the UAE?

Most banks look for around AED 15,000 a month, though some consider applicants from AED 10,000. Below that, options are fewer but some lenders still consider you.

How does existing debt affect mortgage eligibility?

Your current monthly repayments count towards the 50% debt-burden limit, so they reduce how much you can borrow. Clearing or consolidating debt first can increase eligibility.

Can non-residents get a mortgage in the UAE?

Yes. Non-residents can usually finance 50-60% of the property value, often remotely.

How is mortgage eligibility calculated?

Banks cap total monthly repayments at about 50% of income (the debt-burden ratio). The maximum monthly payment is converted into a loan amount over the longest term you qualify for, and the property price depends on the loan-to-value limit for your residency.

Mortgage Eligibility Calculator

Find out how much you can borrow in the UAE — in seconds.

Your monthly income AED 25,000

Existing monthly commitments AED 0

Other loan & credit-card payments you make each month.

Employment

Residency

Your age 35 years

Interest rate 3.99% p.a.

Here's the home you can afford

AED 0

Borrowing up to AED 0 at about AED 0/mo over 25 years

How we worked this out

Max monthly payment banks cap total repayments at 50% of incomeAED 0

Less existing commitmentsAED 0

Maximum loan term to age 6525 years

Financing available resident80% of value

This is an indicative estimate based on standard UAE Central Bank rules (50% debt-burden ratio, age-based tenure, LTV by residency). Your exact eligibility depends on the bank, credit history and the property — we confirm it free.

Want the real number, confirmed? We'll run your file across 28 banks and tell you exactly what you qualify for — free, in 24 hours.

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How mortgage eligibility works in the UAE

UAE banks decide how much you can borrow mainly from your debt-burden ratio (DBR) — your total monthly repayments, including the new mortgage, generally can't exceed 50% of your income. From that maximum monthly payment, your loan size is worked back over the longest term you qualify for (the loan must finish by age 65 if salaried, 70 if self-employed, capped at 25 years).

How much property that buys depends on the loan-to-value limit for your residency: around 80% for residents, 85% for UAE nationals and 50–60% for non-residents. Use the tool above to estimate yours, then let us confirm the real figure across 28 banks — free.

Prefer to start from a property price? Try our mortgage calculator →

Eligibility FAQs

What's the minimum salary for a mortgage in the UAE?

Most banks look for around AED 15,000 a month, though some consider applicants from AED 10,000. If you're below that, options are fewer but we work with lenders who'll still consider you.

How does my existing loan or credit card affect it?

Your current monthly repayments count towards the 50% debt-burden limit, so they directly reduce how much you can borrow. Clearing or consolidating debt before applying can increase your eligibility.

Can non-residents get a mortgage?

Yes. Non-residents can usually finance 50–60% of a property's value, often remotely. The calculator adjusts the figure for non-resident financing.

Does my age affect how much I can borrow?

Yes — the loan must be repaid by age 65 (salaried) or 70 (self-employed), so older applicants get a shorter term, which lowers the maximum loan. The tool factors this in.

How accurate is this estimate?

It uses the standard rules banks apply, so it's a close guide. Your exact eligibility also depends on credit history, the bank and the property — we confirm it for you, free, across 28 banks.