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Who Should Use the Fulus Mortgage Eligibility Checker?
- ✓First-time buyers in UAE who want to know their budget before approaching developers or brokers
- ✓Expats planning to buy property in Dubai, Abu Dhabi, or Sharjah
- ✓UAE Nationals comparing how much they can borrow across Islamic and conventional banks
- ✓Property investors assessing whether they can finance a second or additional property
- ✓Homeowners considering refinancing — also check our Refinance Calculator
- ✓Anyone who received a bank rejection and wants to understand what they qualify for elsewhere
Why Thousands of UAE Residents Use Fulus to Check Before They Apply
Based on real bank policies, not generic rules. UAE banks each have unique salary minimums, employment requirements, and nationality criteria. Fulus reflects these exactly.
Salaried, self-employed, or freelancer? We cover all employment types assessed by UAE banks.
Expat or UAE National? Eligibility rules differ significantly. Our tool handles both profiles accurately.
No registration required. Check your eligibility right now — no account needed.
Protects your credit score. Unlike a formal bank application, this check leaves no footprint on your credit file.
How the Fulus Eligibility Check Works
Enter Your Financial Details
Tell us your monthly income, existing liabilities, employment type, and residency status. The tool uses your real numbers, not estimates.
We Match Against Live Bank Policies
Fulus pulls actual, up-to-date lending criteria from UAE banks — including DBR limits, minimum salary requirements, nationality-based rules, and LTV ratios. No outdated generic figures.
Get Your Eligibility Result
See which banks you qualify with, the maximum loan amount you can obtain, and your Debt Burden Ratio (DBR) — all on one screen.
What Fulus Analyses to Determine Your Mortgage Eligibility
Debt Burden Ratio (DBR)
UAE Central Bank rules cap your total monthly debt obligations at 50% of income. Our DBR Calculator tells you exactly where you stand before you speak to any bank.
Monthly Income & Salary Transfer
Most UAE banks require salary transfer to their account. Fulus checks whether your income level meets each bank's minimum threshold.
Existing Liabilities & Loans
Credit cards, personal loans, and car finance all affect your DBR. Enter yours and see their exact impact on your maximum mortgage limit.
Employment Type
Eligibility criteria differ for salaried employees, self-employed professionals, and business owners. Fulus applies the right ruleset for your profile automatically.
Property Type & LTV
Whether you are buying ready or off-plan, in Dubai or Abu Dhabi — Loan-to-Value ratios vary by bank and property type. Our Mortgage Calculator works alongside this tool for full financial clarity.
Mortgage Insights & Tips
UAE Mortgage Eligibility for Non-Residents Living Abroad
Non-residents can get a UAE mortgage, but the rules differ: 35–50% down payment, higher minimum salary, and only a handful of banks that actively lend to overseas buyers. Here's the full breakdown for 2026.
Best Bank for Mortgage in UAE 2026
There's no single "best" bank for a UAE mortgage — it depends on your salary, residency, and whether you want fixed or variable. Here's how HSBC, ADCB, FAB, Emirates NBD and more compare in 2026.
Fixed vs Variable Rate Mortgage: Which is Better for UAE Buyers?
Choosing between a fixed or variable interest rate is one of the most important mortgage decisions. We break down the pros and cons for UAE property buyers.
Educational Videos
Frequently Asked Questions About UAE Mortgage Eligibility
What is the minimum salary to get a mortgage in UAE?
Most UAE banks require a minimum monthly salary of AED 10,000–15,000 for salaried applicants, though this varies by bank and nationality. Use the Fulus eligibility checker to see which banks match your exact income level.
Can expats get a mortgage in the UAE?
Yes. Expats can obtain UAE mortgages, typically up to 80% LTV for properties under AED 5 million. Eligibility depends on your residency status, income, employment type, and the specific bank's policy — all of which Fulus checks in real time.
What is the DBR limit for UAE mortgages?
The UAE Central Bank sets a maximum Debt Burden Ratio (DBR) of 50% of gross monthly salary. This means your total monthly debt repayments — including your new mortgage — cannot exceed half your income. Use our DBR Calculator to check your exact ratio now.
Does checking eligibility on Fulus affect my credit score?
No. The Fulus eligibility check is a soft assessment based on bank policy criteria. It does not submit a formal application to any bank, so your credit score is completely unaffected.
How accurate is the Fulus eligibility tool?
Fulus updates its bank policy data regularly to reflect actual UAE bank lending criteria — including minimum salaries, nationality rules, DBR limits, and LTV ratios. It is the most accurate self-service mortgage eligibility tool available online for UAE residents.
What is the maximum mortgage I can get in UAE?
For properties up to AED 5 million, UAE residents can borrow up to 80% of the property value. Above AED 5 million, the LTV drops to 70%. Your income, liabilities, and bank choice determine the actual amount — check it now using the Fulus eligibility tool.
Ready to Find Out What You Qualify For?
Stop guessing. Enter your income and liabilities once — and get a clear answer on which UAE banks will approve you, how much you can borrow, and what your monthly repayment will look like.
Check My Mortgage Eligibility — It's Free →No registration. No credit check. No broker call needed. Your data is protected — read our Privacy Policy
Need Expert Guidance?
Our mortgage experts are here to help you navigate the process and answer any questions you may have.
Important Disclaimer & Terms
⚠️ Results are indicative only. These results are not final and do not constitute a formal mortgage offer or approval.
🏦 Bank policies may change. Lending policies and eligibility criteria are subject to change at any time.
📄 Final eligibility requires document submission. Confirmed only after the bank's formal underwriting process.
By using this portal, you agree that the results shown are for informational purposes only.