Affordability & DBR Assessment

Know Your Numbers Before the Bank Does

The UAE Central Bank (CBUAE) mandates that a borrower's total monthly debt obligations — including the new mortgage — cannot exceed 50% of gross monthly income. This is your Debt Burden Ratio (DBR). Applicants who exceed this threshold will be declined, regardless of income level — and a declined application leaves a mark on your AECB credit file.

Findirect calculates your DBR before you apply, identifies any existing liabilities that may constrain your mortgage eligibility, and advises on steps to improve your position — whether that means settling a personal loan, restructuring existing finance, or adjusting your target loan amount.

What We Calculate

• Gross income assessment — base salary, allowances, rental income, overseas income
• Existing liability mapping — credit cards, car loans, personal loans, existing mortgages
• DBR calculation — total obligations as a percentage of gross income
• Maximum eligible mortgage calculation under CBUAE 50% DBR cap
• Liability reduction strategy — which debts to clear first for maximum mortgage headroom
• AECB credit bureau check coordination