Plain-English mortgage thinking for borrowers, not bankers.

How much can you borrow on your Dubai salary?

There is a formula, and it is not a percentage of your salary. A UAE bank starts from half your monthly income, subtracts every commitment you hold — including 5% of credit card limits you have never touched — and lends against what is left, at a stress rate it does not publish. That is why two people on the same salary get offers seven hundred thousand dirhams apart, and why a mortgage calculator based on salary alone so often gives the wrong answer.