Eligibility Calculator
Check what you could borrow for a UAE mortgage.
Answer a few questions about your income and commitments to see an indicative maximum loan, property budget and down payment — with every assumption we used shown alongside your result. No contact details needed to see your estimate.
Tell us about your finances.
A few quick details will help us estimate your borrowing capacity.
18–64 for an automated estimate. If you are 65 or over, your options can still be reviewed personally.
Up to AED 200,000,000. This is the figure lenders use for their affordability calculation.
We consider 5% of your total credit card limits as a monthly financial commitment.
Enter your age (18–64) and monthly income to continue.
Your estimated eligibility will appear here once you check.
This calculator provides indicative estimates only and does not constitute an offer of finance. Results are subject to individual bank assessment and approval.
About the eligibility calculator
This calculator estimates how much you may be able to borrow for a UAE mortgage, based on your income, residency, employment type and existing financial commitments. The results include an indicative maximum loan amount, an estimated property budget and the down payment you would need.
The result is an estimate only, not a mortgage offer or pre-approval. Each lender applies its own affordability rules — including Debt Burden Ratio (DBR) caps, income multiples and Loan-to-Value (LTV) limits — so actual borrowing capacity can differ by lender.
A Funds Officer can review your full profile and compare the lenders whose criteria fit your circumstances.