The 50% rule
UAE Central Bank rules stop banks from letting your total loan payments go above 50% of your salary. That includes credit card minimum payments, car loans and any mortgage. This share is called your debt burden ratio (DBR).
The calculator works out the largest loan you could get at your rate and term while staying within that limit.
Reducing rate vs flat rate
This calculator uses a reducing rate, where interest falls as you repay. If a bank quotes a flat rate, the real cost is much higher. Use the car loan calculator to compare a flat-rate quote.
Common questions
What is the debt burden ratio in the UAE?
Your total monthly loan payments divided by your monthly salary. Banks can't let it go above 50%.
How much personal loan can I get on my salary?
It depends on your rate, term and existing debts. Your total loan payments must stay within 50% of your salary. The calculator shows your limit.
How long can a personal loan be in the UAE?
Personal loans usually run up to 48 months. Check your bank's terms.
Sources
Related calculators
This calculator gives an estimate for guidance only. It is not legal or financial advice. Check important figures with the relevant authority or a qualified adviser.