How much can I borrow?
See the maximum mortgage — and property price — you could afford, based on your income, commitments and age. UAE banks lend up to around 7× income, capped by the 50% debt-burden ratio.
* Assumes an 80% loan-to-value (20% deposit). Your exact figure depends on the lender and your profile.
- Max property (bank-assessed)*
- AED 1,989,633
- Max monthly payment
- AED 10,500
How much can I borrow? — FAQs
How much can I borrow for a mortgage in the UAE?
The real limit is the 50% debt-burden ratio — your total monthly repayments can’t exceed half your income. Crucially, banks size the loan using a stress-test rate (typically 6.25%), not the actual rate, so the "bank-assessed" figure is lower and more realistic than the figure at your headline rate.
What is the stress rate and why is it used?
UAE banks assess whether you can afford a mortgage using a higher "stress" interest rate — commonly around 6.25% — to make sure you could still cope if rates rose. It means the amount you’re actually approved for is based on that stress rate, not today’s rate.
Why does my age matter?
UAE lenders require the loan to be repaid by a maximum age of 70, so your age caps the maximum tenure — which affects how much you can borrow.
Numbers looking good? Let’s make it real.
Free, no-obligation advice. We compare every UAE lender and confirm your exact figures.