What is DBR (Debt Burden Ratio)?

Your Debt Burden Ratio is the share of your gross monthly income that is already committed to debt repayments, credit card obligations, and other financial commitments. UAE banks use it to judge how much additional borrowing, including a mortgage, your file can support.

What is the maximum DBR allowed for a mortgage in the UAE?

UAE Central Bank regulation caps DBR at 50% of gross monthly income for retail lending, including mortgages (CBUAE Rulebook, Article 3). Individual banks may apply their own, sometimes stricter, internal limits on top of this cap.

How does this calculator treat my credit card limit?

In line with standard UAE bank practice, this calculator counts 5% of your total credit card limit, not your outstanding balance, as a monthly debt obligation, reflecting the minimum payment banks generally assume you could owe.

Type your numbers. See your Debt Burden Ratio instantly.

Enter your monthly income and existing debts exactly as they stand today. UAE banks cap your DBR at 50% of gross income, so this shows you where you land before you apply.

Check your affordability

DBR Calculator

Before you apply for a mortgage or any other loan, it's worth checking your Debt Burden Ratio (DBR), the share of your income that's already tied up in debt repayments. UAE banks cap this at 50% of gross income, so knowing where you stand helps you judge how much additional borrowing your file can realistically support.

DBR Calculator

Monthly Income (AED / Month)

Other Monthly Income (AED / Month)

Car Loan EMI (AED/Month)

Mortgage Loan EMI (AED/Month)

Personal Loan EMI (AED/Month)

Credit card limit (all cards)

Any other debt (AED/Month)

Monthly total income AED 0 (AED/Month)

Monthly Total Debt AED 0 (AED/Month)

Your DBR Ratio 0%

Good to know: your DBR isn't permanent, it's calculated from your current income and current debts, and it changes whenever either does.

5% of your total credit card limit is counted as debt here, in line with standard UAE bank practice. The UAE Central Bank caps DBR at 50% of gross income (CBUAE Rulebook, Article 3), though banks may also stress-test your file against a higher interest rate and weigh your specific circumstances before final approval.

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