Debt burden ratio (DBR) calculator
The UAE Central Bank caps your total monthly debt repayments at 50% of income. Check your DBR — including a joint application — and see how much headroom you have for a mortgage.
* Banks count 5% of your total credit-card limits as a monthly commitment, even if unused.
Include all monthly repayments — car, personal, education, existing mortgage and any other finance.
Banks count 5% of your total card limit as a monthly commitment, even if unused.
Proposed mortgage
- Card commitment (5% of limit)
- AED 2,500/mo
- Spare capacity to 50%
- AED 7,000/mo
- Borrow at 4.25%
- AED 1,292,137
What if you reduced your outgoings?
Clearing a loan or lowering a card limit frees up income — and unlocks more borrowing. See the impact:
Bank-assessed figures use the 6.25% stress rate over 25 years. Full affordability →
Debt burden ratio (DBR) calculator — FAQs
What is the debt burden ratio (DBR) in the UAE?
DBR is the share of your monthly income taken up by debt repayments. The UAE Central Bank caps it at 50% — including loans, 5% of your credit-card limits, and the new mortgage payment.
How is DBR calculated for a joint application?
Banks combine both applicants’ incomes and both applicants’ liabilities, then apply the 50% cap to the combined figures. Switch to “Joint” to model this.
What if I’m over 50%?
You may need to reduce commitments (settle a loan or lower card limits), add a co-applicant, or adjust the loan. The “what-if” shows the impact — and we can help structure it.
Numbers looking good? Let’s make it real.
Free, no-obligation advice. We compare every UAE lender and confirm your exact figures.