DBR Calculator UAE – Check Your Debt Burden Ratio Instantly in Dubai
Before applying for a loan or mortgage in Dubai, it’s important to calculate your DBR (Debt Burden Ratio). Our free, accurate DBR Calculator helps you understand if you’re eligible for a loan based on your monthly income vs. existing debts. Whether you’re applying for a personal loan, car finance, or home mortgage in the UAE, most banks use DBR to assess your affordability. Avoid rejections and know your financial limits with our easy-to-use tool — no personal data required!
- ✔ Instantly calculate your DBR for loan eligibility in Dubai
- ✔ Works for all types of loans — personal, auto, and mortgage
- ✔ Know if your DBR is below the 50% limit set by UAE Central Bank
- ✔ Avoid application rejection by knowing your financial standing upfront
- ✔ 100% free tool, no sign-up or data collection
- ✔ Trusted by thousands of UAE residents and expats
- ✔ Input your monthly income and existing EMIs (loan payments)
- ✔ The calculator instantly gives your DBR percentage
- ✔ Compliant with UAE Central Bank regulations (50% DBR cap)
- ✔ Includes support for Islamic Murabaha finance repayments
- ✔ Perfect for mortgage pre-approval, car loans, and credit cards
- ✔ Helps you find out how much more loan you can qualify for
- ✔ Not sure if your DBR is acceptable for banks?
- ✔ Our loan and mortgage experts review your DBR and suggest the best options
- ✔ We’ll guide you to banks that allow flexible DBR thresholds
- ✔ Get a personalized finance plan based on your salary and liabilities
- ✔ WhatsApp support at +971 50 406 5216 or email support@bestcardadvisor.com
- ✔ Free help for expats, self-employed, and salaried individuals in Dubai
1. What is DBR in the UAE?
DBR (Debt Burden Ratio) is the percentage of your monthly income that goes toward paying off debts. UAE banks typically require it to be under 50% for new loans.
2. How is DBR calculated?
DBR = (Total Monthly Loan Payments ÷ Total Monthly Income) × 100. This includes credit cards, loans, and other obligations.
3. Why is DBR important for getting a loan?
Banks use DBR to assess whether you can handle more debt. If your DBR is too high, your loan may be rejected.
4. What is the maximum DBR allowed in the UAE?
According to the UAE Central Bank, the DBR limit is 50% — meaning no more than half of your income should go to debt repayments.
5. Does DBR apply to Islamic finance too?
Yes, even in Murabaha or Ijarah (Islamic) loans, banks check DBR to ensure repayment ability.
6. How can I reduce my DBR?
Paying off credit cards, refinancing existing loans, or increasing your income can lower your DBR and improve eligibility.
7. Can I apply for a mortgage if my DBR is high?
You may still qualify with certain banks offering flexible plans. Contact us for a personalized recommendation.
8. Do I need to enter personal info to use this tool?
No. Our DBR Calculator is 100% private and does not require sign-up or data entry beyond your numbers.
9. What types of debt should I include in the DBR calculator?
Include all EMIs — car loans, personal loans, credit card minimums, and existing mortgages.
10. Can you help me improve my DBR?
Yes, our financial advisors can help you restructure debt or choose loans suited to your DBR profile.
