How Much Property Can You Afford in the UAE?
Enter your income in your own currency — we convert to AED and apply the UAE 50% debt burden rule to estimate your maximum property budget.
- Income in AED
- Max monthly payment (50% DBR)
- Max loan
- Down payment needed
FX rates are indicative. Banks apply their own stress rates and eligibility checks. Not financial advice.
Affordability FAQ
How much of my income can go to a mortgage in the UAE?
UAE Central Bank rules cap all monthly debt repayments (including the new mortgage) at 50% of monthly income. Banks often apply a stress-tested rate above the offer rate.
What income do I need to buy a AED 1 million property in Dubai?
With 20% down, a AED 800,000 loan over 25 years at ~4.5% costs about AED 4,450/month. Under the 50% DBR rule you would need roughly AED 9,000/month income with no other debts.
Can non-residents get a UAE mortgage?
Yes, several UAE banks lend to non-residents, typically at 50-60% LTV with a smaller bank panel and slightly higher rates. Many off plan buyers instead use developer payment plans, which need no bank financing until handover.