EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89% EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89%
Home / Knowledge hub / Eligibility & affordability

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 rules UAE investment property mortgages: 60 to 65% LTV caps, which banks lend on buy-to-let, how rental income counts in underwriting, and Dubai yield data. Credit score UAE: read and improve your AECB report How AECB scoring works (300-900), what moves your score, how to pull your AED 84 report, and the 90-day fixes that get you a better mortgage rate. Debt burden ratio UAE: calculate your DBR step by step The CBUAE 50% DBR cap explained: what banks include, a manual calculation walkthrough, and a 90-day plan to lower your DBR before you apply for a mortgage. 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. Home loan eligibility UAE: the 50% DBR rule explained 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. How much mortgage can I afford in the UAE? UAE mortgage affordability: the CBUAE 50% DBR cap, LTV limits, how banks treat allowances, and worked examples at AED 15k, 25k and 50k salaries. How Much Mortgage Can I Get in the UAE? How much mortgage can you get in the UAE? Worked salary examples, the 50% DBR cap, LTV limits and the credit card limit trap that cuts borrowing power. Joint mortgage UAE: co-borrower rules and eligibility How joint mortgage applications work in the UAE: combined income for DBR, the age rule that limits your term, who can apply together, plus a worked example. Maximum age for a mortgage in the UAE: CBUAE rules CBUAE caps mortgage end age at 65 for expats and 70 for UAE nationals. How that limits your term and maximum loan, plus options for older borrowers. Self-employed mortgage UAE: banks and documents Self-employed UAE mortgage guide: which banks accept freelancers and business owners, documents you need, LTV expectations and how to boost approval odds. UAE mortgage stress test: how banks test affordability UAE banks stress-test your mortgage at 2 to 4% above the actual rate. 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? A AED 2M home with 20% down needs about AED 16,697 a month in income at 3.89% over 25 years. Work out the salary needed for any UAE property price.

More topics

Applying & pre-approval Salary & borrowing power Expat & non-resident buyers All topics

Will a bank say yes?

The eligibility wizard applies the CBUAE tests to your profile in 90 seconds.

Check your eligibility → Run the numbers WhatsApp an advisor