Money · Tool

How much home can I afford?

Type your salary, what you already pay each month and your savings. See the highest home price and loan UAE Central Bank rules allow, the monthly payment, and what happens if rates rise.

Gross monthly salary and regular income AED Before deductions. Add a partner's income only if they borrow with you. Monthly payments you already make AED Car and personal loans, credit cards, buy-now-pay-later. Lenders usually also count part of your card limits. Savings for the down payment and fees AED

You are

This home is

Emirate (for fees)

The loan

Mortgage rate a year % Term you want (years) Your age now Age the loan must end by

The Central Bank lets each lender set the age limit. Many end loans by 65 for salaried expats and 70 for UAE nationals or the self-employed. Ask yours.

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The rules behind the number

The 50% limit

All your monthly loan and card payments together, the new mortgage included, must not be more than 50% of your gross salary and regular income.

Loan-to-value

For a first home of AED 5 million or less, the loan can be up to 80% of the value for expats and 85% for UAE nationals (70% and 75% above AED 5 million). Second homes: 60% and 65%. Off-plan: 50%.

25 years and 7 or 8 times income

A mortgage can run for 25 years at most. The loan can be up to 7 times your yearly income for expats and 8 times for UAE nationals.

Rates can rise

The Central Bank tells lenders to check you could still pay if the rate went 2 to 4 points higher. Most loans are fixed only for the first years, then follow the market.

Compare renting and buying, with all the fees Flat or reducing rate?

Guidance only, not financial advice and not a loan offer. Lenders can and often do lend less than the maximum: they check your credit report, job, employer and the property's valuation. Fees here are estimates.

Sources: Central Bank of the UAE, Regulations Regarding Mortgage Loans (Circular 31/2013, amended by Board Resolutions 96/2019 and 31/2/2020), CBUAE Rulebook (rulebook.centralbank.ae): maximum loan-to-value for a first home of AED 5 million or less 85% for UAE nationals and 80% for expatriates (75% and 70% above AED 5 million), second home or investment 65% and 60%, off-plan 50% (Article 3.2); maximum term 25 years and maximum age at final payment set by each lender (Article 3.3); loan up to 8 times yearly income for nationals and 7 times for expatriates (Article 3.4); debt burden ratio up to 50% of gross salary and regular income, and a stress test of 2 to 4 percentage points above the current rate (Articles 3.1 and 5). Central Bank of the UAE press release, 10 October 2019: the 70-year age limit removed, lenders set their own. Common lender practice of ending loans by 65 for salaried expats, as stated in 2026 UAE mortgage guides. Regulations Regarding Bank Loans and Other Services Offered to Individual Customers (Circular 29/2011), Article 7 (all repayments up to 50% of gross salary). Fees: the same estimates as our Rent or buy tool (Dubai Land Department 4% transfer fee and 0.25% mortgage registration; Abu Dhabi 2% and 0.1%; agent about 2% + VAT; bank fee up to 1% of the loan + VAT; valuation and registration fixed fees). Last checked: 27 Oct 2026.