Dubai DBR Calculator: Check Your Debt Burden Ratio
Applying for a mortgage in Dubai? Use our free DBR calculator below to check your Debt Burden Ratio — the share of your monthly income that goes to debt — and see how much room you have before you reach the UAE limit.
How this calculator works
Enter your gross monthly income, your existing monthly debts (loans and credit-card repayments), and the new loan or mortgage payment you want to add. The calculator instantly shows your DBR percentage, your total monthly debt, the maximum repayment allowed at the cap, and how much capacity you have left.
Loans, credit cards, and other recurring repayments.
The monthly repayment you are applying for.
Debt Burden Ratio
36.7%
- Total monthly debt
- AED 11,000
- Max repayment at 50% cap
- AED 15,000
- Remaining capacity
- AED 4,000
Within the 50% DBR cap
At 36.7% your total debt is below the CBUAE 50% limit. You have room for up to AED 12,000 in additional monthly repayments.
The UAE Central Bank caps your total monthly debt at 50% of your gross monthly income.
Banks count existing loans plus roughly 5% of your total credit-card limits.
A lower DBR improves your chances of mortgage approval and a better rate.
If you are over 50%, reduce existing debt or lower the new payment to qualify.
Once you know your DBR, see how much you can borrow with the Dubai Home Loan Eligibility Calculator and estimate your installment with the Dubai Mortgage Calculator. As a residential developer in Dubai, MSN Developments built this tool to reflect how UAE banks assess affordability.
These results are estimates for guidance only and do not constitute financial advice. Speak with a licensed mortgage advisor for a personalised assessment.
