Debt burden ratio calculator
In the UAE, all your monthly loan repayments together may not exceed 50% of your gross salary plus regular income. This is Article 7 of Central Bank Regulation 29/2011, and it applies to UAE nationals and expats alike.
Your debt burden ratio37.5%Within the 50% cap.
- Legal cap
- 50%
- Total repayments a month
- AED 7,500
- Most you can add a month
- AED 6,500
The rules this calculator uses
- Total monthly loan repayments across all banks and finance companies must not exceed 50% of the borrower's gross salary plus regular income. The same 50% cap applies to UAE nationals and expats; the regulation makes no distinction.Confirmed in the official text: CBUAE Regulation No. 29/2011 Regarding Bank Loans & Other Services Offered to Individual Customers (effective 23/3/2011), Article 7 (Repayment Installments)
- If a loan runs past retirement, it must be scheduled so that repayments after retirement take no more than 30% of income or pension.Confirmed in the official text: CBUAE Regulation No. 29/2011, Article 7
Results are estimates for comparison. Banks and employers may apply further conditions of their own.