Formula: DBR = (Total monthly debt payments ÷ Gross monthly income) × 100 Example: If your total monthly debt obligations are AED 8,000 and your income is AED 20,000, your DBR = 40%. Since 40% is below the 50% limit, you are eligible. To maximise eligibility: reduce credit card limits (banks count a percentage of the total limit as a monthly liability, even if unused), and clear small loans before applying.