With no other debts, an AED 30,000 monthly salary can support a mortgage of about AED 2.33 million over 25 years.
How it works: banks let all your debts use up to half your income (AED 15,000 a month here), tested at a higher stress rate of about 6%.
- 25-year term, no other debts: about AED 2.33 million
- 20-year term: about AED 2.09 million
- With a AED 3,000 car loan: about AED 1.86 million
- Property price this fits (expat, 80% loan): up to about AED 2.91 million
- Monthly payment at 3.99%: about AED 12,280
At this income, salary-transfer pricing often brings the best fixed rates. Bonuses and commission can add more, but banks usually count only about half of them.
Estimates only. Each bank uses its own stress rate and rules.
Related: How much can I borrow? · Check your eligibility · Bonuses and commission
