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How much can I borrow for a home in the UAE?
Enter your income and any loan payments you already make. This applies the UAE Central Bank limits on monthly repayments and loan size to show the loan and the property price within your reach.
The UAE Central Bank rules
- Debt burden: all your monthly loan payments together, including the new mortgage, cannot be more than 50% of your monthly income.
- Maximum term: 25 years.
- Loan-to-value limits for a completed home:
Banks also check your age at the end of the loan (usually 65 for expats and 70 for nationals), your minimum salary and their own stress test, so their final offer can be lower.
Questions people ask
How much deposit do I need in Dubai?
At least 20% of the price for an expat buying a first home under AED 5 million, plus about 7% for fees.
Do banks count my housing allowance?
Yes. Banks look at your total fixed monthly income, including allowances, as shown on your salary certificate.
Is the interest rate fixed?
UAE mortgages are often fixed for 1 to 5 years and then follow EIBOR plus a margin.
An estimate based on UAE Central Bank mortgage regulations. Banks decide final approval. Rules checked October 2026.