Reality Check

Can I Afford It

UAE Mortgage Reality Check

Discover what the bank may approve, what you can comfortably afford, how much cash you need upfront, and what will truly be left from your salary every month.

Nationality
What's left from your salary
After paying your mortgage and all other expenses.
AED 8,377
🔴NOT READY TO BUY

You are financially comfortable each month, but you do not yet have enough cash available to complete this purchase. Short by AED 51,940.

34% of your salary remains available every month.

Monthly breakdown
Monthly salary
AED 25,000
− Mortgage
AED 8,623
− Lifestyle expenses
AED 8,000
− Other loans
AED 0
= Money left
AED 8,377
Monthly affordability
YES
Bank approval
LIKELY
Cash to close
SHORT BY AED 51,940

Why this result?

The bank says

Approval verdictLikely approves
Maximum propertyAED 2,667,261
Monthly MortgageAED 8,623/mo
Debt Burden RatioCap: 50%
38%
Maximum loanAED 2,133,809
Max allowed LTV80%
Your selected LTV80%
Loan amount (your LTV)AED 1,600,000

Your life says

Money left each monthAED 8,377
Upfront cash neededAED 551,940
Overall reality🔴NOT READY TO BUY
Cash you must have today
AED 551,940
UAE banks do not finance these costs. They must be paid in cash.

Your sweet spot

25 yrs · LTV 80%
Maximum Bank Approval
AED 2,667,261
The largest property value a bank may approve.
Recommended Purchase
AED 2,667,261
Leaves at least 20% of your salary available.
Comfort Zone
AED 1,808,609
Leaves at least 30% available, even if rates rise +2%.

Improve my situation

Approval roadblocks
  • You currently need AED 51,940 more in savings to complete this purchase.
  • Your emergency reserve may be too low after closing.
Top 3 actions to improve eligibility
  1. 1Save an additional AED 51,940 before closing — required to cover upfront costs banks won't finance.

Heads-up

Upfront cash required exceeds your savings — you cannot close on this property.

Less than 3 months of emergency reserve after upfront costs.

Try a scenario

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Advanced analysis

Loan snapshot

Monthly Mortgage
AED 8,623/month
Loan Amount
AED 1,600,000
Selected LTV
80% (max 80%)
Down Payment
AED 400,000
Total Interest
AED 986,923
Total Repayment
AED 2,586,923
Loan Term
25 years

Send to your spouse

21 Jun 2026
Property value
AED 2,000,000
Bank approval
AED 2,667,261
Recommended
AED 2,667,261
Comfort zone
AED 1,808,609
Money left / month
AED 8,377
Upfront cash
AED 551,940
Verdict
🔴 NOT READY TO BUY
Step 5 of 5

Take Your Report

  1. ✓About You
  2. ✓Property
  3. ✓Existing Debts & Savings
  4. ✓Financial Assessment
  5. ★Property Decision Report

📄 Your Property Decision Report

Save a professional report to discuss with your spouse, family, bank, or mortgage adviser.

🏠Property Summary
🏦Bank Assessment
💰Salary Breakdown
🎯Sweet Spot
📊Loan Analysis
✅Recommendation
Estimated length: 6–8 pages•Format: PDF•Generated from your live inputs

🔒 Your information never leaves your device. No account required. No data is stored.

Based on UAE banking practices including the 50% Debt Burden Ratio (DBR), credit card exposure assumptions, and age-based mortgage term limits.

These results are indicative only and are not financial advice. Mortgage eligibility, rates, and fees vary by lender. Always confirm with your bank or mortgage adviser before making financial decisions.