Dubai Home Loan Eligibility Calculator: How Much Can You Borrow
Wondering how much you can borrow for a home in Dubai? Use our free eligibility calculator below to estimate your maximum loan, the property price you can afford, and the down payment you'll need — b
Loans, credit cards, and other recurring repayments.
Capped at 25 years per CBUAE rules.
More options
Maximum Loan Amount
AED 2,158,924
- Max monthly payment (50% DBR)
- AED 12,000
- Max property price
- AED 2,698,655
- Required down payment
- AED 539,731
- LTV ceiling
- 80%
Indicative only
This is an estimate based on the 50% debt burden ratio and CBUAE LTV ceilings. Banks also assess your age, employment status and length of service, and credit history before approving a mortgage.
ased on your income and the UAE lending rules.
How this calculator works
Enter your gross monthly income, existing monthly debts, the interest rate and loan term. Under "More options" choose your buyer type and property value tier to set the correct loan-to-value ceiling. The calculator shows your maximum monthly payment at the 50% debt cap, your maximum loan, the maximum property price, and the down payment required.
Key UAE home loan rules to know
Your total monthly debt is capped at 50% of your gross income (CBUAE).
Loan-to-value is capped at 80% for expats and 85% for UAE nationals on a first home under AED 5 million.
The maximum mortgage term is 25 years.
Banks also assess your age, employment length, and credit history.
Once you know your budget, estimate your monthly payment with the Dubai Mortgage Calculator and check your debt position with the Dubai DBR Calculator. As a residential developer in Dubai, MSN Developments built this tool to reflect how UAE banks assess borrowing power.
These results are estimates for guidance only and do not constitute financial advice. Speak with a licensed mortgage advisor for a personalised assessment.
Your borrowing power is capped by your income and the UAE Central Bank's 50% debt burden ratio (DBR) rule. Once you know your maximum loan above, estimate the monthly cost with our Dubai Mortgage Calculator, see how much faster you could be mortgage-free with the Mortgage Overpayment Calculator, and budget for upfront costs using the Dubai Property Transfer Cost Calculator. Buying as an investment? Run the numbers through our Dubai Buy-to-Let Calculator before you commit.
