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Dubai Affordability Calculator — How Much Property Can You Afford?
How much Dubai property can you actually afford? This tool combines your income, existing debts, available cash, and the UAE's lending rules into a single, realistic maximum. Adjust the inputs to test different scenarios.
How much property can I afford in Dubai?
You could realistically afford a property up to
AED 0
Max monthly mortgage: AED 0 ·
Max loan: AED 0 ·
Down payment used: AED 0
How the calculation works
UAE Central Bank caps the Debt Burden Ratio (DBR) at 50% of monthly income for residents (45–50% depending on lender). That means your total monthly debt — including the new mortgage — must not exceed half your income.
The two limits that matter
- Cash limit — UAE rules cap mortgage LTV at 80% (75% for properties > AED 5M). Your cash must cover at least 20% down + ~6% transaction costs.
- Income limit — your maximum monthly mortgage payment is (income × 50%) − existing debts. Working backwards through standard amortisation gives the maximum loan.
Don't forget the upfront extras
Budget another ~6% on top of your down payment for DLD (4%), agency commission (2%), and bank/registration fees. See the cost-of-buying guide for the full breakdown.