With no other debts, an AED 10,000 monthly salary can support a mortgage of about AED 776,000 over 25 years.
How it works: banks let all your debts use up to half your income (AED 5,000 a month here), tested at a higher stress rate of about 6%.
- 25-year term, no other debts: about AED 776,000
- 20-year term: about AED 698,000
- With a AED 3,000 car loan: about AED 310,000
- Property price this fits (expat, 80% loan): up to about AED 970,000
- Monthly payment at 3.99%: about AED 4,090
Only a few banks (2–3) accept AED 10,000. UAE nationals can qualify from AED 8,000 at some banks. Any car loan or card limit cuts the amount fast, so clear small debts first.
Estimates only. Each bank uses its own stress rate and rules.
Related: How much can I borrow? · Check your eligibility · Minimum salary
