How much property can you afford in the UAE?
Enter your monthly income in the currency you're paid in. The budget below is the lower of two Central Bank caps: repayments at 50% of income, and a loan of seven years' salary.
- Income in AED
- Largest repayment at 50%
- Largest loan
- Limited by
- Down payment needed
Exchange rates are from 1 October 2026 and aren't live; use your bank's rate for a transfer. Banks run their own checks on top of these caps.
Income rules banks apply
How much of my income can go to a mortgage in the UAE?
The Central Bank caps all your loan repayments together at 50% of gross monthly income, and banks test the loan at 2 to 4 points above its rate.
Is there a cap on the loan besides the 50% rule?
Yes. An expat can borrow at most seven times annual income and a UAE national eight times. The calculator applies the expat cap.
What income do I need for a AED 1 million home?
With 20% down, an AED 800,000 loan over 25 years at 4.5% costs about AED 4,447 a month. At the 50% limit that needs around AED 8,900 a month in income with no other debts.