What is the debt burden ratio (DBR) in the UAE?
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Answer: The DBR caps all your monthly debt payments — mortgage, car and personal loans, and a slice of credit-card limits — at 50% of your income. It's the single biggest factor in how much you can borrow.
Example: on AED 30,000/month, instalments must fit within AED 15,000. An existing AED 3,000 car loan leaves AED 12,000 — roughly AED 2,334,035 of mortgage at 3.75% over 25 years. Clearing or consolidating debts before applying often raises your budget more than shopping for a cheaper rate.
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