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Check Your Mortgage Approval Chances Instantly.
Find out how much mortgage you may qualify for in the UAE based on your income, expenses, and bank lending rules.
Eligibility Calculator.
Run an instant qualification check against a target property and see which UAE bank tier matches your profile.
Eligibility Calculator
Residency Type
Employment Type
Monthly Income
AED
AED 10,000
AED 500,000
Existing Monthly EMI
AED
AED 0
AED 50,000
Target Property Value
AED
AED 500,000
AED 20,000,000
Age
yr
18 yrs
60 yrs
Loan Period
yr
5 yrs
25 yrs
Estimate Summary
Eligible Loan
AED 1,600,000
DBR 44.9%
Within cap
Monthly EMI
AED 8,226
3.75%
25 yrs
Get Free Mortgage Approval
First Name
Last Name
Email Address
Phone Number
Understand your eligibility.
See how your monthly income would be allocated under UAE Central Bank rules, and how the loan period reshapes the maximum loan you qualify for.
Income Allocation
How your income splits under the 50% DBR cap
- Existing EMI
- Free Income
- Max New EMI
Tenure Sensitivity
Eligible loan by loan period
Important
- Eligibility checks apply the Central Bank's DBR (50%), LTV brackets, and age-at-maturity caps (65 salaried / 70 for nationals and self-employed). Banks also evaluate AECB credit score, employment tenure, and source of income.
- Off-plan property is capped at 50% LTV regardless of nationality. Second-property purchases face tighter caps (65% for nationals, 60% for residents).
- Tier labels reflect typical bank salary thresholds; bank-specific products vary.
- Final approval depends on bank underwriting and credit history. Speak with one of our licensed mortgage advisors before committing.
— Built For UAE Buyers —
Why use our UAE eligibility calculator?
Six reasons our tool gives you a clearer view of mortgage approval than any pre-application form.
Instant Eligibility Estimate
Check your mortgage approval chances in seconds, no calls required.
UAE Bank Rule-Based Calculation
Calibrated to the real lending policies UAE banks apply day to day.
Income & Liability Analysis
Understand exactly how banks assess your profile before they do.
DBR-Based Evaluation
Uses UAE Central Bank Debt-Burden Ratio standards (up to 50%).
Expats & UAE Nationals Supported
Works for all applicant types, residents, expats, and nationals.
Better Approval Planning
Spot issues early, improve your application before you submit.
— How It Works —
A guided five-step path to your eligibility result.
Each step builds on the last, by step five, you have a realistic UAE mortgage eligibility estimate.
Step 01
Enter Your Monthly Income
Step 02
Add Loans & Liabilities
Step 03
Select Property Value (Optional)
Step 04
Add Interest Rate Assumption
Step 05
Get Your Eligibility Result
— Your Results —
What you will see in the output.
A clear breakdown of the numbers that matter, instantly understandable, no jargon.
Estimated mortgage eligibility (approved range)
Maximum loan amount you may qualify for
Monthly repayment capacity
Impact of existing debts on approval
Bank affordability position based on UAE rules
— What Drives Your Result —
Key factors that affect your eligibility.
Six variables UAE banks weigh up, adjust each in the calculator to see the impact on your approval range.
Monthly Income Level
Higher income unlocks higher eligibility ranges with most UAE banks.
Existing Commitments
Active loans and credit-card balances reduce your borrowing capacity.
Debt-Burden Ratio
DBR is capped at 50% of monthly income under UAE Central Bank rules.
Credit Profile & History
Clean repayment history and a solid credit score boost approval odds.
Employment Type
Salaried applicants and self-employed buyers are assessed differently.
Property Type & Tenure
Ready vs off-plan and loan duration both affect your eligibility outcome.
— Simplified —
How UAE banks assess eligibility.
The five core rules every UAE mortgage lender applies, explained in plain English, no banking jargon.
DBR is typically capped at 50% of monthly income
Stable, verifiable income is required for approval
Higher income means a higher eligibility range
Existing loans and liabilities reduce borrowing capacity
Final approval depends on the bank's risk assessment
Important Disclaimer
This is an estimate, not financial advice.
Final mortgage eligibility depends on the bank's credit assessment, income verification, and documentation review. For an exact figure, speak to one of our NHFB advisors.
Talk to an NHFB advisor
— FAQs —
Frequently asked questions about the eligibility calculator.
Quick answers to the questions UAE buyers ask most often before they apply.
What is a mortgage eligibility calculator?
It is a tool that estimates how much mortgage you may qualify for in the UAE based on your income, expenses, and bank lending rules.
How is eligibility calculated in the UAE?
Eligibility is calculated using your monthly income, existing liabilities, and the UAE Debt-Burden Ratio (DBR), which limits total debt repayments to around 50% of income.
Is eligibility the same as final approval?
No, eligibility is an estimate. Final approval is given by the bank after reviewing your full financial profile and supporting documents.
Does having loans reduce my eligibility?
Yes, existing personal loans, credit cards, and other liabilities reduce your borrowing capacity under UAE Central Bank rules.
Can expats check eligibility in the UAE?
Yes, the calculator is designed for both expats and UAE nationals, following standard UAE mortgage lending practices.
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New Heights Financial Broker LLC is a trusted mortgage broker in the UAE helping residents, expats, and investors compare mortgage options from leading UAE banks.
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