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Mortgage Eligibility Calculator

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

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

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 all the banks and tell you exactly what you qualify for — free, in 24 hours.
Check my eligibility

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 all the banks — free.

Prefer to start from a property price? Try our mortgage calculator →  ·  Check your debt burden ratio (DBR) →

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 all the banks.