EIBOR 3M 3.85% CBUAE Base 3.65% Best Islamic 3.90% Best Conventional 3.78% EIBOR 3M 3.85% CBUAE Base 3.65% Best Islamic 3.90% Best Conventional 3.78%

Eligibility & affordability

The CBUAE rules that decide your application: DBR caps, income multiples, credit history and how banks stress-test affordability, including the self-employed route.

14 articles in this topic

Am I Eligible for a Mortgage in the UAE? Find out if you're eligible for a UAE mortgage. Criteria for expats, UAE nationals, self-employed and non-residents. CBUAE rules explained. June 2026. Buy to let mortgage UAE: rates, deposits and rental cover rules UAE investment property mortgages: 65 to 75% LTV, which banks lend, and how rental income counts. 2026 rules. Credit Score UAE: AECB Report Guide (2026) UAE credit score guide: how AECB scoring works (300-900), what affects your score, how to pull your AED 84 report, and 90-day improvements that get you a better mortgage rate. Debt Burden Ratio UAE: Calculate Your DBR (2026) The CBUAE 50% DBR cap explained step by step. Manual calculation walkthrough, what banks include, and a 90-day plan to lower your DBR before a UAE mortgage application. Does Bonus Income Count for a UAE Mortgage? How UAE banks treat annual bonus income for mortgage affordability. Which bonuses count, how they are averaged, and how much extra you can borrow with 2 years of bonus evidence. Home loan eligibility UAE: the 50% DBR rule and your max loan (2026) The CBUAE 50% DBR cap explained, with maximum loan amounts for AED 15k, 20k, 25k, 30k and 50k monthly salaries. Real numbers using current UAE mortgage rates. How Much Can I Borrow With My Salary in the UAE? Salary-to-mortgage tables for every income bracket in the UAE. How the DBR works, the credit card trap, and what you can do to borrow more. June 2026. How Much Mortgage Can I Afford in the UAE? Salary Brackets Explained UAE mortgage affordability explained: the CBUAE 50% DBR cap, LTV limits, how banks treat allowances and bonuses, and worked examples at AED 15k, 25k and 50k salaries. How Much Mortgage Can I Get in the UAE? Find out how much mortgage you can get in the UAE. Worked salary examples, DBR calculator, LTV limits and credit card traps explained. Updated June 2026. Joint Mortgage UAE 2026: How Buying Together Changes Your Borrowing Power How joint mortgage applications work in the UAE. Combined income for DBR, the age rule that limits your term, who can apply together, and a worked example showing the borrowing increase. Maximum age for a mortgage in the UAE: CBUAE rules for expats and nationals 2026 CBUAE caps mortgage end age at 65 for expats, 70 for UAE nationals. How this limits your term, reduces your max loan, and what to do if you are borrowing later in life. Self-Employed Mortgage UAE 2026 Self-employed UAE mortgage guide: which banks accept freelancers and business owners, what documents you need, LTV expectations, and how to maximise approval chances. UAE Mortgage Stress Test Explained (2026): How Banks Decide What You Can Afford UAE banks stress-test your mortgage at 2 to 4% above the actual rate before approving it. Here's how the CBUAE stress test works, why it cuts your maximum loan, and how to pass it. What Salary Do You Need for a Mortgage in the UAE? What salary do you need for a UAE mortgage? A AED 2M home with 20% down needs about AED 16,504/month income at 3.78% over 25 years. Work out the salary for any price.

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Eligibility & affordability

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Will a bank say yes?