Residency status
Affects your maximum mortgage: UAE nationals 80% LTV, residents 75%, non-residents 65%.
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在迪拜真正能买到的价格由两件事决定:债务能力(月度总债务不超过税前收入约 40%)与首付(必须满足您居留状态的 LTV 上限)。本计算器综合两者,给出现实上限、相应月供,并指出您的瓶颈在首付还是收入。
最大 LTV: 75%
د.إ20,000
د.إ5,000
最高可负担价
د.إ400,000
Limited by your income and debt capacity.
我们如何算出来
Reference
Every input and output on this page, explained for any investor profile. Hover the info icons on the calculator itself to see the same content.
Affects your maximum mortgage: UAE nationals 80% LTV, residents 75%, non-residents 65%.
Your total monthly take-home salary plus any other regular income (rent from other properties, dividends, etc.).
Monthly payments already eating into your debt capacity: car loans, personal loans, credit card minimums.
Cash you put in up front. The rest of the purchase price is financed with a mortgage.
The highest property price you can buy given your income, existing debts, and available down payment.
The largest loan your income can service while keeping total debt under 40% of monthly income (Dubai bank cap).
Your projected total monthly mortgage payment on the maximum loan, at the reference rate and term.
All your monthly debt (existing plus the new mortgage) divided by your gross monthly income. Dubai banks cap this at 40%.
Formula
(Existing debt + New mortgage) / Monthly income
How to read the result
Very low5/5
Strong debt capacity. Banks approve readily at best rates.
Healthy4/5
Comfortable debt load. Approval standard, decent rates.
Moderate3/5
Near the Dubai 40% cap. Approval likely but little room for new debt.
Stretched2/5
Above most bank limits. Expect decline or require co-signer.
Over limit1/5
Well above any Dubai bank threshold. Reduce debts before applying.
The minimum cash you need based on your residency cap. Anything above this is optional.
Formula
Max property price × (1 − LTV cap)
Loan amount as a percentage of the purchase price. Dubai caps: UAE nationals 80%, residents 75%, non-residents 65%.
Formula
Loan amount / Purchase price × 100
How to read the result
Conservative5/5
Very low use. Maximum flexibility, lowest rates available.
Balanced4/5
Below Dubai average. Cheaper rates, lower stress under shocks.
Typical3/5
Dubai market standard. Reasonable use for most profiles.
High2/5
Near UAE-national cap. Higher rate spread, tight serviceability checks.
Over limit1/5
Exceeds Dubai mortgage cap. No bank will fund; adjust down payment.
Developers scored
265
Areas covered
164
Units tracked
26,817
Data points per project
150+
Day 1: First call with the buyer concierge, brief discussed. Day 4: Shortlist of 7 units delivered. Day 9: Viewings (remote, video). Day 11: Offer placed. Day 16: Offer accepted, MoU signed. Day 22: Down payment, KYC, escrow. Day 28: DLD title transfer. Day 31: Keys. I time everything. This is fast.
UAE Central Bank rules cap total monthly debt service at 50% of gross income. The affordability calculator inverts that constraint: given your income, your existing debt, and your cash for a down payment, what is the highest property price you can buy and still get a mortgage approved? The answer is bounded by both the 50% DBR cap and the 80% (resident) or 50% (non-resident) loan-to-value cap.
Run this calculator before you start looking at projects. Most off-plan buyers anchor on a property they like and reverse-engineer the budget; the safer move is to set the budget first, then filter projects to that price. Oliva\'s project search supports a price-cap filter that maps directly to the affordability output below.
The UAE Central Bank caps total monthly debt at 50% of gross monthly income across all retail lending. Mortgage, credit card minimums, and car loans all count.
Some UAE lenders accept up to 70% of existing rental income from a separately owned investment property. The calculator does not assume this by default; add it to your monthly income only if your bank has confirmed.
Non-residents face a 50% LTV cap (vs 80% for residents) plus typically higher rates. The calculator drops the maximum borrowable to half once you flag non-resident status.
Major UAE lenders apply a 3-percentage-point rate stress on top of the contracted rate to ensure the borrower can absorb a hike. The calculator does not stress-test by default; add 3% to the rate for a conservative read.
Working backwards from the 50% DBR cap: a 25-year mortgage at 4.5% on an AED 1.6M loan (20% down on AED 2M) gives a monthly payment near AED 8,900. With no other debt you need roughly AED 18K gross monthly income; with a typical AED 3K car loan and AED 1K credit card minimum, closer to AED 26K.
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