UAE Property Loan Calculator
Calculate your property loan eligibility, down payment requirements, and monthly payments based on UAE Central Bank regulations. This calculator helps you understand what you can afford in the UAE property market.
UAE Property Loan Calculator
UAE Property Loan Regulations
The UAE Central Bank regulates property loans to ensure financial stability in the real estate market. Understanding these regulations is essential for planning your property purchase.
Down Payment Requirements
| Property Type | UAE Nationals | Expatriates |
|---|---|---|
| First property (≤ AED 5M) | 15% | 20% |
| First property (> AED 5M) | 25% | 30% |
| Second/Investment property | 30% | 40% |
Debt Burden Ratio (DBR)
The UAE Central Bank mandates that your total monthly loan repayments (including the new mortgage) should not exceed 50% of your monthly income. This is known as the Debt Burden Ratio (DBR).
Maximum Loan Amount
In addition to the property value and down payment requirements, the maximum loan amount is also limited by your income:
- For UAE nationals: typically up to 8 times annual income
- For expatriates: typically up to 7 times annual income
Other Considerations
- Down payments must come from your own funds (not another loan)
- The loan term usually cannot extend beyond retirement age
- Additional costs include arrangement fees, property registration fees, and insurance
This calculator provides estimates based on current UAE Central Bank regulations. For precise eligibility assessment, we recommend consulting with a licensed mortgage provider.