Mortgage Calculator

Find out how much you can borrow based on your income, residency, employment and existing monthly debt — with UAE DBR and LTV rules applied.

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Mortgage Calculator

FAQ — Mortgage Calculator UAE

What is DBR and how does it affect my mortgage?

Debt Burden Ratio (DBR) measures your total monthly debt payments against gross income. UAE banks typically cap total EMIs at 50% of income (sometimes up to 60% in specific cases).

How much can I borrow as a UAE resident?

It depends on monthly income, existing debt, loan term, employment type and property LTV limits. Use this calculator for an indicative maximum — final approval is subject to bank assessment.

What LTV can expats get in Dubai?

First-time buyers on ready property often qualify for up to 80% LTV (20% down payment). Second properties, off-plan and non-residents have lower caps under UAE Central Bank rules.

Can self-employed applicants get a mortgage?

Yes — banks require audited financials and may apply higher rates or lower LTV. MOVA advisors match self-employed profiles to the right lenders.

Is this calculator binding?

No — figures are indicative. Property valuation, credit history and bank policy determine your final offer. Request MOVA pre-approval for a personalised review.

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