Affordability
What can you really afford — before any bank or agent tells you?
Truval applies the same rules lenders use: the 50% debt-burden limit, loan-to-value caps, maximum age at the end of the term, and the cash you need for fees.
Banks usually count around 5% of your total credit-card limits as a monthly commitment, even if you pay in full.
Maximum purchase price
AED 1,520,000
Limited by your savings (deposit + fees)Term 25 yrs
Mortgage
1.22M
80% of price · cap 80%
Monthly repayment
AED 6,588
Debt burden used
28%
bank limit 50%
If rates rise 2%
32%
AED 8,022 /month
Cash you'll need on transfer
| Deposit | AED 304,000 |
| DLD transfer fee (4%) | AED 60,800 |
| Title deed issuance | AED 580 |
| Registration trustee (+VAT) | AED 4,200 |
| Agent commission 2% (+VAT) | AED 31,920 |
| Mortgage registration (0.25% + AED 290) | AED 3,330 |
| Bank arrangement fee (up to 1%) | AED 12,160 |
| Bank valuation fee | AED 3,000 |
| Total cash | AED 419,990 |
How rates change your budget
Every 1% rise in the mortgage rate cuts your maximum price by about AED 0. Fixing a rate protects your budget.
The line is flat because your savings — not the interest rate — set your limit. Add savings or lower the deposit to see rates bite.
What your budget buys (typical sizes)
| Community | 1BR ~800 sqft | 2BR ~1,150 sqft | Villa ~2,600 sqft |
|---|---|---|---|
| Business Bay | 1.32M | 1.90M | — |
| Dubai Hills Estate | 1.28M | 1.84M | 4.55M |
| Arabian Ranches | 1.04M | 1.50M | 3.51M |
| Damac Hills | 840K | 1.21M | 2.99M |
| Jumeirah Village Circle (JVC) | 800K | 1.15M | — |
| Al Furjan | 760K | 1.09M | 2.73M |
| Dubai South | 720K | 1.03M | — |
| Dubailand | 680K | 978K | 2.47M |
Indicative only. Based on commonly published UAE Central Bank mortgage rules (50% debt-burden ratio, loan-to-value caps) and typical maximum ages at loan maturity. Each bank applies its own criteria, salary requirements and stress rates — get a pre-approval before making an offer.
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