What size mortgage would a UAE bank actually give me?

Returns a range and stress-tests the rate, and accounts for the post-2025 rule that banks no longer finance the DLD fee or commission.

I earn AED a month as a , with AED a month already committed. At % over months, I have AED in cash.

Adjust rates and fees 7

Try your own amounts, rates and thresholds. Changes apply only to your session and are labelled as your assumptions. Published rules stay unchanged.

Debt burden ratio cap — all monthly obligations / monthly income%Published/default value: 50%. CBUAE — Regulations Regarding Mortgage Loans (Circular 31/2013, as amended by Board Resolution 31/2/2020) (2026-08-31); CBUAE — Board of Directors' Resolution 31/2/2020 amending Circular 31/2013 (2026-08-31)

Maximum loan as a multiple of annual income — expatriatePublished/default value: 7. CBUAE — Regulations Regarding Mortgage Loans (Circular 31/2013, as amended by Board Resolution 31/2/2020) (2026-08-31); CBUAE — Board of Directors' Resolution 31/2/2020 amending Circular 31/2013 (2026-08-31)

Maximum loan as a multiple of annual income — nationalPublished/default value: 8. CBUAE — Regulations Regarding Mortgage Loans (Circular 31/2013, as amended by Board Resolution 31/2/2020) (2026-08-31); CBUAE — Board of Directors' Resolution 31/2/2020 amending Circular 31/2013 (2026-08-31)

Mortgage stress rate uplift%Published/default value: 2%. Existing calculator assumption; confirm for your case (2026-09-21)

Purchase costs allowance%Published/default value: 7.000000000000001%. Existing calculator assumption; confirm for your case (2026-09-21)

Lower loan-to-value assumption%Published/default value: 70%. Existing calculator assumption; confirm for your case (2026-09-21)

Upper loan-to-value assumption%Published/default value: 80%. Existing calculator assumption; confirm for your case (2026-09-21)

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