Official ratesMortgage budget

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.

Reliability · Exact on published rates

91%

Example figures — change any of them

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

Adjust rates and fees7

Try your own rates and thresholds. Changes apply only to this session and are labelled as your scenario. The 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 — expatriate

Published/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 — national

Published/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)

Applies all three Central Bank ceilings — LTV, the 50% debt burden ratio, and the income multiple — and tells you which one actually binds. The range is the rate stress test, not doubt about the rules: those were settled on 31 August 2026 against Circular 31/2013 as amended.

Working it out…

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