UAE Affordability Calculator
What can you actually buy in Dubai? Enter your income below for a live estimate, or scan the income scenarios. All assume the CBUAE Debt Burden Ratio at 50%, 75% LTV (expat first home), and the most common 25-year tenure.
Your numbers
AED
%
yrs
%
Assumes no existing debt and the CBUAE 50% debt-burden cap. Subtract any current obligations from your income first.
You could buy up to
AED 4,797,609
- Max loan (75% LTV)
- AED 3,598,206
- Down payment needed
- AED 1,199,402
- Monthly mortgage
- AED 20,000
Indicative. Lenders also weigh income type, age, and existing debt, and lend on their own valuation. Confirm with a pre-approval.
Income scenarios
| Monthly net (AED) | Rate | Max loan | Max property | Monthly mortgage | Budget band |
|---|---|---|---|---|---|
| 25,000 | 4.50% | 2,248,879 | 2,998,505 | 12,500 | 1.5M-5M |
| 50,000 | 4.50% | 4,497,758 | 5,997,011 | 25,000 | 5M-15M |
| 100,000 | 4.50% | 8,995,516 | 11,994,021 | 50,000 | 5M-15M |
| 200,000 | 5.00% | 17,106,005 | 22,808,006 | 100,000 | over-15M |
| 500,000 | 5.50% | 40,710,811 | 54,281,082 | 250,000 | over-15M |
Assumptions baked in
- · DBR ≤ 50% of net monthly income (CBUAE cap)
- · LTV = 75% (expat first home, below AED 5M)
- · Tenure = 25 years (max allowed, retirement-age caps apply)
- · No existing debt (subtract your current obligations from the result)
- · Stable income, 3+ months bank statements (standard underwriting)
Get a personalised pre-approval
Send us your income + obligations and we'll route you to a CBUAE-licensed broker for a binding pre-approval letter.
Request pre-approval