Most UAE banks ask salaried expats for at least AED 15,000 a month. A few accept AED 10,000 to 12,000.
- Salaried expat: AED 15,000 a month (a few banks accept AED 10,000–12,000)
- UAE national, salaried: from AED 8,000 at some banks
- Self-employed: AED 15,000–30,000 (most banks AED 20,000–25,000)
- Joint applicants: combined income counts; the main applicant usually needs AED 10,000–15,000
Meeting the minimum gets you through the door. Your loan amount depends on your debt burden ratio (DBR): all monthly debts, including the new mortgage, must stay within 50% of income. Allowances on your salary certificate usually count; commission and bonuses count partly.
Related: What is DBR? · How much can I borrow?
