FREE ELIGIBILITY CHECK
Am I eligible for a Dubai mortgage?
5 questions. 60 seconds. Personalized borrowing power, deposit required, and matched UAE banks — instantly.
How the eligibility calculation works
The quiz uses the same rules real UAE banks apply during pre-approval — which are governed by the Central Bank of the UAE (CBUAE) and each lender's internal underwriting policy.
Income multiplier
UAE banks cap total mortgage borrowing at a multiple of annual income:
- Expats and non-residents: up to 7× annual income
- UAE nationals: up to 8× annual income
Debt Burden Ratio (DBR)
Central Bank rule: total monthly debt repayments (mortgage + personal loans + credit card minimums + car finance) must not exceed 50% of gross monthly income. Existing commitments reduce how much you can borrow because the mortgage must fit into what's left of the 50% cap.
Loan-to-Value (LTV) — how much deposit you need
- Expat, property ≤ AED 5M: 80% LTV → 20% deposit
- Expat, property > AED 5M: 70% LTV → 30% deposit
- UAE national, property ≤ AED 5M: 85% LTV → 15% deposit
- UAE national, property > AED 5M: 75% LTV → 25% deposit
- Non-resident: 65% LTV → 35% deposit
- Off-plan during construction: up to 50% LTV → 50% deposit
Upfront costs beyond deposit
Budget an additional 7–8% of the property price for upfront costs: 4% Dubai Land Department (DLD) transfer fee, 2% estate agent commission, 0.25% mortgage registration, AED 2,500–3,500 valuation, ~1% bank arrangement fee, and legal / conveyancing.
What the quiz does NOT check
This is an eligibility estimate, not a formal pre-approval. It doesn't include:
- Al Etihad Credit Bureau (AECB) credit score
- Individual employer's approval rating with each bank
- Current bank-specific promotions (rate + fee waivers)
- Property type restrictions (some banks won't finance certain buildings)
Once you have your quiz result, request the full report — GCC Mortgages will run a proper pre-approval across 37+ UAE banks including any active rate promotions, at no cost to you.
Frequently Asked Questions — Mortgage Eligibility
What is the minimum salary to get a mortgage in Dubai?
The entry-level threshold across the UAE mortgage market is AED 10,000 monthly salary for salaried applicants, and AED 25,000 for self-employed applicants. Some banks set higher minimums (AED 15,000+), but a real range of lenders will consider from AED 10,000. The quiz uses AED 10,000 as the salaried threshold and factors it into your eligibility result.
How much can I borrow in Dubai on my salary?
UAE banks typically lend up to 7x annual income for expats and non-residents, and up to 8x for UAE nationals. This is capped by the Central Bank Debt Burden Ratio (DBR), which limits total monthly debt repayments to 50% of gross monthly income. The quiz calculates both and shows the lower figure.
What deposit do I need for a Dubai mortgage?
Expat resident: 20% deposit on property ≤ AED 5M, 30% above AED 5M. UAE national: 15% ≤ AED 5M, 25% above. Non-resident: 35% deposit regardless of price. Off-plan during construction: 50%. Plus 7–8% for upfront costs (DLD 4%, agent 2%, mortgage registration 0.25%, valuation, bank arrangement).
Does this quiz give me a real pre-approval?
No — the quiz is an eligibility estimate based on standard UAE Central Bank rules and bank policies. A real pre-approval requires document submission (salary certificate, bank statements, Emirates ID, credit report). The quiz gives you a strong indicative range so you know what to expect; from there, we run a proper pre-approval across 37+ UAE banks at no cost.
Which banks does the result show?
The quiz maps your profile (nationality, employment, income, target property) against known UAE bank underwriting policies to shortlist likely matches. Actual bank selection depends on your credit history, employer, and current bank promotions — which we finalise during pre-approval.
Is the quiz free and my data private?
Yes, completely free. Your answers are used only to calculate your result and are handled under our privacy policy (UAE PDPL compliant). If you request the detailed banks report via email, we contact you once with the report and follow up only if you engage.
Want the detailed bank-by-bank report?
Free pre-approval across 37+ UAE banks. Broker fee paid by the bank on completion — no upfront cost to you.