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Mortgage Eligibility Calculator

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

Indian expat living in the UAE? Continue with the resident-expat mortgage readiness route.

Other loan payments plus the lender's assessed card commitment. Many use about 5% of total card limits, but treatment varies.

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 using an indicative 50% DBR ceilingAED 0
Less existing commitmentsAED 0
Maximum financing CBUAE income-multiple ceiling7x annual income
Maximum loan term planning assumption: final payment by age 6525 years
Financing available resident80% of value

This is an indicative estimate. It uses current CBUAE DBR and LTV ceilings plus a lender-age planning assumption; since 2019, each bank sets its own final-repayment age. Your exact eligibility depends on lender policy, credit history and the property.

Want the real number, confirmed? We'll run your file across our panel 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). Current CBUAE guidance describes a maximum of 50% for expatriates and 60% for UAE nationals, including the proposed mortgage, although a bank can be stricter. Loan size is then worked back over the term available. CBUAE caps mortgage tenor at 25 years but, since 2019, leaves the final-repayment age to each lender.

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 our panel — 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?
Existing commitments reduce the room beneath your applicable DBR ceiling. Loan instalments count in full; many lenders model around 5% of total card limits, but the precise card treatment varies. Reducing liabilities before applying can improve 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, because each lender sets a maximum age at final repayment. The tool uses common planning assumptions of 65 for salaried expatriates and 70 for self-employed borrowers or UAE nationals, but your selected bank may use a different cap.
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 our panel.