K|Wise · Glossary
Every mortgage term, in the language of borrowers.
EIBOR, LTV, DSR, DBR, NOC — every acronym that shows up on a UAE mortgage offer, with a one paragraph definition you'll actually remember.
The dictionary, end to end.
DBR (Debt Burden Ratio)
#dbr-debt-burden-ratioThe total of your monthly debt commitments — mortgage, car loan, credit card minimums, personal loans — expressed as a percentage of your net monthly income. UAE Central Bank caps the DBR at 50%.
Deposit
#depositThe portion of the purchase price you pay from your own funds. The UAE Central Bank requires at minimum 20% for first-time resident buyers, 25% for second properties, and 25% to 50% for non-residents.
Drawdown
#drawdownThe point at which the lender releases the mortgage funds — typically paid directly to the seller at the Land Department on transfer day.
Read the guides — same plain English, more depth.
The Blog and FAQs unpack these terms in real-world scenarios — fix vs float, refinance break-even, non-resident eligibility, and more.