Affordability Calculator
Find out your maximum property budget in Dubai or Malaysia — based on your income, existing obligations, and cash available. Applies UAE Central Bank DBR rules and Malaysian DSR guidelines.
Maximum Property Budget
AED 793K
Constrained by your available cash
Monthly Repayment
AED 4K
Loan Amount
AED 634K
Down Payment (20%)
AED 159K
Total Cash Required
AED 197K
DBR (50% UAE cap)
21.7% / 50% limitIncome Required by Price Point — 20% down, 4.5%, 25 yrs
| Price | Monthly | Income Needed | Cash Required |
|---|---|---|---|
| AED 500K ✓ | AED 2K | AED 10K | AED 126K |
| AED 750K ✓ | AED 3K | AED 13K | AED 187K |
| AED 1.00M | AED 4K | AED 15K | AED 247K |
| AED 1.50M | AED 7K | AED 19K | AED 368K |
| AED 2.00M | AED 9K | AED 24K | AED 489K |
| AED 3.00M | AED 13K | AED 33K | AED 731K |
| AED 5.00M | AED 22K | AED 50K | AED 1.22M |
Rate Sensitivity on AED 634K loan
Figures are indicative only. UAE Central Bank DBR regulations and standard LTV limits are applied as guidelines — individual bank underwriting, property type, and age-at-maturity rules may result in a different approved amount. This tool is not financial advice; consult a licensed mortgage advisor before committing to a purchase.
How it works
Dubai — DBR (50% cap)
The UAE Central Bank limits your total monthly debt obligations to 50% of gross income. Your maximum new mortgage instalment is 50% of income minus existing obligations. LTV is capped at 80% for expats and 85% for UAE nationals on first residential properties.
Malaysia — DSR (~70% guideline)
Malaysian banks generally apply a Debt Service Ratio (DSR) ceiling of 60–70% of gross monthly income, though limits vary by income level and bank. Citizens and PRs can borrow up to 90% LTV on their first two properties; foreign buyers are typically limited to 70% LTV.
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