Debt Ratio Calculator For UAE

Income Details

Monthly Income

Other Income

Monthly Debt payment Details

Mortage Payment

Monthly Rent

Personal Loan

Monthly Credit Card Amount

Car Loans

Student Loan

Other Payment

Your Debt to Burden Ratio details are below

0 AED

Monthly Income

0 AED

Monthly Debt Payment

0%

Debt Rate

*Values over 40% indicate you might have difficulty making payments on any additional debt or loans

Debt to Burden Ratio Calculator

Banks provide personal loans only after checking the Debt to Burden Ratio of the loan applicants. It generally determines the ability of the applicant by considering the cash flow whether he/she can repay the loan without any delays. The incoming cash flow is compared to the outgoing cash flow which shows that an additional payment can fit into the list or not. Banks want to put neither the applicants nor themselves at risk. So if the DBR is more than 50% banks reject the application.

It is preferable to calculate your DBR by yourselves rather than applying for the loan and getting rejected. Even rejected applications can have a smaller impact on the credit score.

How to Calculate your Debt to Burden Ratio?

  • Calculating your DBR is very simple. You just need to consider your monthly incoming expenses and outgoing expenses to find whether you can afford the monthly installment of the new loan.You can use our calculator to make it quick and easy.
  • Enter your monthly income like salary, business profits or etc.
  • Enter if you get any additional payments apart from the major income like salary.
  • Enter Mortgage Loan EMI (if you don’t have mortgage loan currently, give 0).
  • Enter Car Loan EMI (if you don’t have car loan currently, give 0).
  • Enter Personal Loan EMI (if you don’t have personal loan currently, give 0).
  • Enter Student Loan EMI (if you don’t have a student currently, give 0).
  • Enter your house rent (if you don’t have house rent currently, give 0).
  • Enter your credit card limit (if you don’t own a credit card, give 0).
  • Click Calculate.

Our calculator displays your monthly income and debts you need to pay, along with the Debt to Burden Ratio.

Minimum Salary

Interest Rate

Loan Amount

Reducing Rate

Select Bank

Min Salary

Interest/Profit Rate

Other Filters

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ADIB Personal Finance for Expats

flat rate Flat Rate

3.85%

minimum salary Minimum Salary

AED 8K

reducing rate Reducing Rate

6.99%

max amount Max Loan Amount

AED 1000K

early settlement fee Early Settlement Fee

1%

arrangement feeArrangement Fee

0%

Advantages

  • No processing fees
  • Free ADIB Booking.com Signature Card
  • Can postpone 2 installments per year
View All Loans

Features

  • Required to submit bank account details for last 3 months
  • UAE Nationals of age 21 to 65 years can apply for this scheme
  • Expats of age 21 to 60 years can apply for this scheme
  • Length of service should be confirmed or should have worked 6 months before applying for this scheme
  • Finance repayment period is upto 48 months
  • The loan is provided for a interest rate of 6.99%
  • Minimum salary of AED 8,000 is required
  • The reduction rate and the flat rate is 6.99% and 3.85%. This denotes that the computation done was a division of the reduction rate by 1.815
  • It is a requirement to transfer your salary to apply
  • Finance up to AED 1,000,000
  • The early settlement fee is 1% of the outstanding amount to date
  • Takaful cover is 1.25% of the finance amount. Takaful is optional
  • No Arrangement fees
  • Finance up to AED 1 million amount, For finance up to AED 1,000,000 mortgage is not necessary, ADIB Booking.com Signature Card will be provided free for the first year, You are allowed to postpone two payments per year (without any additional charges), First installment can be paid up to 90 days of approval for loan

View details on bank page

Dubai Islamic Bank Liability Settlement Finance for Expats

flat rate Flat Rate

6%

minimum salary Minimum Salary

AED 10K

reducing rate Reducing Rate

11%

max amount Max Loan Amount

AED 3000K

early settlement fee Early Settlement Fee

1%

Advantages

  • Finance is based on Sharia principles
  • Quick processing
  • High loan amount
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Features

  • Repayment period is up to 4 years
  • The rates applied will depend on the salary
  • Only expats can apply for this scheme
  • Your debt liabilities are consolidated in one
  • The loan is provided for a interest rate of 11%
  • Minimum salary of AED 10,000 is required
  • The reduction rate and the flat rate is 11% and 6%.
  • It is mandatory to transfer your salary to apply for this scheme
  • Finance up to AED 3,000,000
  • Early settlement fee is 1% of finance amount
  • Arrangement fee is AED 1050
  • Finance is provided for sharia-compliant goods, Repayment period is long, High loan amount is provided, Dedicated Manager will assist you throughout the process, Processing is quick

View details on bank page

RAKBANK Personal Loan

flat rate Flat Rate

3.3%

minimum salary Minimum Salary

AED 3K

reducing rate Reducing Rate

5.99%

max amount Max Loan Amount

AED 1500K

early settlement fee Early Settlement Fee

1%

arrangement feeArrangement Fee

1%

Advantages

  • Free credit card on 0 annual fees
  • Free debit card & cheque book
  • Low minimum salary requirement
View All Loans

Features

  • Repayment period is up to 4 years
  • The loan is provided for a interest rate of 5.99%
  • Minimum salary of AED 3,000 is required
  • The reduction rate and the flat rate is 5.99% and 3.3%. This denotes that the computation done was a division of the reduction rate by 1.815
  • It is mandatory to transfer your salary to apply for this scheme
  • Finance up to AED 1,500,000
  • Early settlement fee is 1% of finance amount
  • Arrangement fee is 1% of loan amount
  • Can get free credit card, debit card, cheque book, Can defer one installment, Repayment period is long, High finance is provided, Life insurance is provided

View details on bank page

CBI Personal Loan

flat rate Flat Rate

3%

minimum salary Minimum Salary

AED 8K

reducing rate Reducing Rate

5.44%

max amount Max Loan Amount

AED 1000K

early settlement fee Early Settlement Fee

1%

arrangement feeArrangement Fee

1%

Advantages

  • Free rewards credit card
  • Overdraft facility on current account
  • Phone banking facility
View All Loans

Features

  • Repayment period is up to 4 years
  • The loan is provided for a interest rate of 5.44%
  • Minimum salary of AED 8000 is required
  • The reduction rate and the flat rate is 5.44% and 3%. This denotes that the computation done was a division of the reduction rate by 1.814
  • It is mandatory to transfer your salary to apply for this scheme
  • Finance up to AED 1,000,000
  • Early settlement fee is 1% of finance amount
  • Arrangement fee is 1% of loan amount
  • High Finance amount is provided by the bank, Along with this loan free credit card is offered , Provides insurance coverage for permanent disability and death

View details on bank page

ADIB Personal Finance for UAE Nationals

flat rate Flat Rate

3.72%

minimum salary Minimum Salary

AED 8K

reducing rate Reducing Rate

6.75%

max amount Max Loan Amount

AED 3000K

early settlement fee Early Settlement Fee

1%

arrangement feeArrangement Fee

0%

Advantages

  • No processing fees
  • Free ADIB Booking.com Signature Card
  • Can postpone 2 installments per year
View All Loans

Features

  • Required to submit bank account details for last 3 months
  • Minimum age of 21 years is required
  • Length of service should be confirmed or should have worked 6 months before applying for this scheme
  • Finance repayment period is upto 48 months
  • The loan is provided for a interest rate of 6.75%
  • Minimum salary of AED 8,000 is required
  • The reduction rate and the flat rate is 6.75% and 3.72%. This denotes that the computation done was a division of the reduction rate by 1.814
  • It is a requirement to transfer your salary to apply
  • Finance upto AED 3,000,000
  • The early settlement fee is 1% of the outstanding amount to date
  • Takaful cover is 1.25% of the finance amount
  • No Arrangement fees
  • First installment payment grace period up to 3 months, Optional Takaful protection scheme that covers the entire amount against death and permanent disability, High finance amount , ADIB Booking.com Signature Card will be provided free for the first year, You are allowed to postpone two payments per year (without any additional charges)

View details on bank page

HSBC Personal Loan

flat rate Flat Rate

4.12%

minimum salary Minimum Salary

AED 7.5K

reducing rate Reducing Rate

7.49%

max amount Max Loan Amount

AED 750K

early settlement fee Early Settlement Fee

1%

arrangement feeArrangement Fee

1%

Advantages

  • Credit life insurance is not mandatory
  • Quick processing & approval
  • Flexible tenure
View All Loans
  • The loan is provided for a interest rate of 7.49%
  • Minimum salary of AED 7,500 is required
  • The reduction rate and the flat rate is 7.49% and 4.12%. This denotes that the computation done was a division of the reduction rate by 1.814
  • It is mandatory to transfer your salary
  • Finance up to AED 750,000
  • Early settlement fee is 1% of finance amount
  • Arrangement fee is 1% of loan amount
  • Applicants can get up to AED 7,50,000 loan amount, Documentation is simple and easy, There is low salary requirement and long repayment period along with this scheme Finance buy-out facility is also provided with this loan , Determent facility available - maximum 2 times a year without additional profit

View details on bank page

Emirates NBD Loans for Expatriates

flat rate Flat Rate

2.77%

minimum salary Minimum Salary

AED 10K

reducing rate Reducing Rate

5.24%

max amount Max Loan Amount

AED 1000K

early settlement fee Early Settlement Fee

1%

arrangement feeArrangement Fee

1%

Advantages

  • Free 0 balance account
  • Low interest rates
  • High finance amount
View All Loans

Features

  • Repayment period is up to 4 years
  • The loan is provided for an interest rate of 5.24%
  • Minimum salary of AED 10000 is required
  • The reduction rate and the flat rate is 5.24% and 2.77%.
  • It is mandatory to transfer your salary to apply for this scheme
  • Finance up to AED 1,000,000
  • Early settlement fee is 1% of finance amount
  • Arrangement fee is 1% of loan amount
  • Expats can get up to AED 1,000,000 loan amount, Around 560 ATMs of the Emirates NBD are there around the UAE, New Employees can also apply for this scheme, You can miss up to two non-consecutive installments per year , Free Debit Card and bank account is provided along with this scheme, Repayment period is long

View details on bank page

Emirates Islamic Personal Finance for Expats

flat rate Flat Rate

3.59%

minimum salary Minimum Salary

AED 5K

reducing rate Reducing Rate

6.47%

max amount Max Loan Amount

AED 2000K

early settlement fee Early Settlement Fee

1%

arrangement feeArrangement Fee

2.5%

Advantages

  • Free Credit Card
  • Low processing fees
  • Only 1 month salary transfer is required
View All Loans

Features

  • Repayment period is up to 4 years
  • The loan is provided for a interest rate of 4.69%
  • Minimum salary of AED 5,000 is required
  • The flat rate and the reduction rate is 3.59% and 6.47%.
  • It is mandatory to transfer your salary to apply for this scheme
  • Finance up to AED 2,000,000
  • Early settlement fee is 1% of finance amount
  • Arrangement fee is 2.5% of loan amount
  • Free Credit Card is provided along with this scheme, For the first year free of annual fee, Repayment period is long, Low minimum salary requirement is there for this scheme

View details on bank page

Union National Bank Expatriate Loan

flat rate Flat Rate

3.13%

minimum salary Minimum Salary

AED 5K

reducing rate Reducing Rate

5.68%

max amount Max Loan Amount

AED 500K

early settlement fee Early Settlement Fee

1.05%

arrangement feeArrangement Fee

1.05%

Advantages

  • Skip upto 2 installments per year
  • Free UNB Credit Card
  • Competitive interest rates
View All Loans

Features

  • Repayment period is up to 4 years
  • Only Expats can apply for this scheme
  • The loan is provided for a interest rate of 5.68%
  • Minimum salary of AED 5,000 is required
  • The reduction rate and the flat rate is 5.68% and 3.13%. This denotes that the computation done was a division of the reduction rate by 1.814
  • It is mandatory to transfer your salary to apply for this scheme
  • Finance up to AED 500,000
  • Early settlement fee is 1.05% of loan amount
  • Arrangement fee is 1.05% of loan amount
  • Can get up to AED 500,000 loan amount, Repayment period is long, Extra fees won’t be applied for early settlement of loans from own funds

View details on bank page

Emirates Islamic Personal Finance for UAE Nationals

flat rate Flat Rate

3.19%

minimum salary Minimum Salary

AED 5K

reducing rate Reducing Rate

5.74%

max amount Max Loan Amount

AED 4000K

early settlement fee Early Settlement Fee

1%

arrangement feeArrangement Fee

2.5%

Advantages

  • Free Credit Card
  • Low processing fees
  • Only 1 month salary transfer is required
View All Loans

Features

  • Repayment period is up to 4 years
  • Only UAE Nationals can apply for this scheme
  • The loan is provided for a interest rate of 5.74%
  • Minimum salary of AED 5,000 is required
  • The reduction rate and the flat rate is 5.74% and 3.19%.
  • It is mandatory to transfer your salary to apply for this scheme
  • Finance up to AED 4,000,000
  • Early settlement fee is 1% of finance amount
  • Arrangement fee is 2.5% of loan amount
  • Free Credit Card is provided along with this scheme, For the first year free of annual fee, Repayment period is long, Low minimum salary requirement is there for this scheme

View details on bank page

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