Free Tool
Dubai Property Affordability Calculator
Find out how much property you can afford in Dubai based on your monthly income, debts, and available down payment.
Calculate What You Can Afford
Enter your income and down payment to see your estimated maximum property price.
AED
Your total gross monthly income, before tax.
AED
Car loans, personal loans, credit card minimums — any other monthly obligations.
AED
The cash you have available to put down upfront.
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This is an illustrative estimate only, not a loan pre-approval. Actual affordability depends on the lender's full assessment of your finances — speak with our advisory team or a mortgage broker for an accurate figure.
Enter your monthly income to see how much property you could afford.
Good to Know
How Affordability Is Calculated
UAE banks generally cap your total monthly debt payments (including the new mortgage) at around 50% of your gross monthly income — known as the debt burden ratio.
Your down payment directly increases how much property you can afford — every dirham you put down upfront is a dirham you don't need to borrow.
This estimate assumes a standard repayment mortgage — interest-only or other specialized loan structures can change the numbers significantly.
Banks also factor in your age, employment type, and existing credit history — self-employed and non-resident applicants often face stricter requirements.