Know your real UAE borrowing power — in minutes.
A proper affordability check the way a UAE bank runs it: a 50% Debt Burden Ratio on quality-adjusted income, the mandatory rate stress test, the LTV caps and the 7× income rule — with the one constraint that is actually limiting you, named.
A defensible number, not a teaser
The UAE Central Bank rules are regulation, so a proper engine gives a genuinely defensible maximum-borrowing figure — and tells you what moves it.
Quality-adjusted income
We discount variable income, assess the self-employed on net profit, and count the notional 5% of your card limits that most calculators quietly ignore.
Stress-tested affordability
Your maximum payment is computed at the quoted rate plus the CBUAE mandatory stress buffer, so the figure still holds if rates rise.
The binding constraint, named
We tell you whether your limit is set by your DBR, the LTV cap or the 7× income rule — and exactly what would raise it.
Four steps to your indicative figure
Ready to see your number?
Start the indicative assessment — it takes a few minutes, and nothing is processed without your consent.