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 / Salary & borrowing power

Salary & borrowing power

From AED 10,000 a month to AED 100,000, these articles work out what you can borrow, and what specific property prices cost to finance over 25 years.

22 articles in this topic
AED 1 million mortgage UAE: monthly payment and salary A AED 1M UAE mortgage costs from AED 5,141 a month at today's best rate. Here's the salary, deposit and bank-by-bank breakdown for exactly this loan size. AED 1 million property mortgage UAE: deposit and payments Buying an AED 1 million property in the UAE? Expats need a 20% deposit (AED 200k) plus AED 46-57k in fees. At 3.89% over 25 years: around AED 4,174 a month. AED 2 million mortgage UAE: affordability and best rates A AED 2M UAE mortgage costs from AED 10,283 a month at today's best rate. The salary, deposit, and which UAE banks price this loan size most competitively. AED 800,000 mortgage UAE: the numbers on a smaller loan AED 640,000 loan on an AED 800,000 property: monthly payment at today's rates, the salary that clears the DBR test, and the upfront costs banks don't headline. Mortgage on AED 10,000 Salary UAE 2026 On AED 10,000 salary you can borrow around AED 949,000 in the UAE under the CBUAE 50% DBR rule. Which banks lend and how to strengthen your application. Mortgage on AED 100,000 Salary UAE 2026 On AED 100,000 salary you can borrow approximately AED 9,492,000 in the UAE. Private Banking, the 7x income multiple, and luxury property options explained. Mortgage on AED 15,000 Salary UAE 2026 On a AED 15,000 salary you can borrow about AED 1,424,000 under the CBUAE 50% DBR rule. Full bank comparison, property options and worked examples. Mortgage on AED 20,000 salary UAE: what you can borrow On AED 20,000 salary you can borrow around AED 1,899,000 under the CBUAE 50% DBR rule. Bank comparison, worked examples and properties that fit. Mortgage on AED 25,000 Salary UAE 2026 On AED 25,000 salary you can borrow approximately AED 2,371,000 in the UAE. Full bank comparison, worked examples, and Dubai properties that fit your budget. Mortgage on AED 30,000 Salary UAE 2026 On an AED 30,000 salary you can borrow approximately AED 2.845 million under the CBUAE 50% DBR rule. Worked examples and Dubai properties that fit the budget. Mortgage on AED 35,000 Salary UAE 2026 On AED 35,000 salary you can borrow around AED 3.32 million under the CBUAE 50% DBR rule. Worked examples, Priority Banking rates and Dubai properties. Mortgage on AED 40,000 Salary UAE 2026 On a AED 40,000 salary you can borrow about AED 3,797,000 in the UAE. Priority Banking rates, worked examples and Dubai properties near AED 4.7M. Mortgage on AED 45,000 salary UAE: what you can borrow On AED 45,000 salary you can borrow around AED 4.27 million under the CBUAE 50% DBR rule. Worked examples, Priority Banking rates and properties that fit. Mortgage on AED 50,000 salary UAE: what really caps you On AED 50,000 a month the 7x income cap holds you to AED 4,200,000, not the AED 4,741,000 the 50% DBR sum suggests. Worked scenarios, deposits and fees. Mortgage on AED 60,000 Salary UAE 2026 On an AED 60,000 salary you can borrow up to AED 5.69 million. Worked DBR examples, LTV rules above AED 5M, and properties from Palm Jumeirah to Dubai Hills. Mortgage on AED 75,000 Salary UAE 2026 At AED 75,000 a month the 7x income rule caps an expat at AED 6,300,000, below the DBR ceiling. The AED 5M LTV cliff worked through in cash. Mortgage on AED 80,000 Salary UAE 2026 On AED 80,000 salary you can borrow up to AED 7,760,000 in the UAE. Full DBR breakdown, bank rate comparison, and real property examples for 2026. Mortgage on an AED 2 million property UAE: full costs Expats need a 20% deposit (AED 400,000) on an AED 2 million UAE property, plus AED 89,000 to 109,000 in fees. Monthly payment at 3.89% over 25 years: AED 8,349. Mortgage on an AED 3 million property UAE: full costs At AED 3 million an expat puts down AED 600,000 and stays clear of the 30% deposit cliff. Buying costs, both income tests, and the 5-year rate sum. Mortgage on an AED 4M property UAE: deposit and costs An AED 4M UAE property needs a 20% expat deposit of AED 800,000 plus about AED 175,000 to 209,000 in buying costs. Monthly payments run near AED 16,697. Mortgage on an AED 5 million property UAE: full costs An AED 5 million property needs a deposit of AED 1.5 million for expats or AED 750,000 for UAE nationals. Monthly repayments, fees and salary needs explained. Mortgage on an AED 750,000 property UAE: full costs Expats need a 20% deposit of AED 150,000 on an AED 750,000 UAE property, plus AED 38,000 to 45,000 in costs. Monthly payment at 3.89% over 25 years: AED 3,131.

What does your salary get you?

The calculator turns your income into a borrowing ceiling in under a minute.

Open the calculator → Check eligibility WhatsApp an advisor