Personal Loan Eligibility
See how much you can borrow under the UAE 50% debt-burden rule.
💳 Your Finances
AED
AED
Loans, car finance and credit card minimums you already pay.
6% / yr
48 months
UAE personal loans are capped at 48 months.
Maximum Loan
AED0
About 0 AED a month over 48 months.Monthly repayment capacity (50% DBR)0 AED
Regulatory cap (20× salary)0 AED
The UAE Central Bank limits total monthly debt repayments to 50% of income and caps personal loans at 20 times monthly salary, repaid within 48 months. Banks apply their own credit criteria too. This is an estimate, not a loan offer.
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Frequently Asked Questions
Two limits apply. First, the UAE Central Bank's Debt Burden Ratio caps your total monthly repayments, across all loans and card minimums, at 50% of your income. Second, a personal loan is capped at 20 times your monthly salary and must be repaid within 48 months. Your eligible amount is the lower of what your remaining repayment capacity can service and the 20-times-salary ceiling.
The DBR is the share of your monthly income that goes to debt repayments. Central Bank rules require that all your repayments together, existing loans plus the new one, stay at or below 50% of your income. If you already use part of that 50% on other debts, only the remainder is available to service a new loan.
Central Bank regulations limit unsecured personal loans to a maximum of 20 times the borrower's monthly salary, as a consumer-protection measure to prevent over-borrowing. Even if your repayment capacity would allow more, banks cannot exceed this multiple for a standard personal loan.
Up to a point. A longer tenure lowers the monthly repayment, so a given repayment capacity can support a larger loan, but UAE personal loans cannot run beyond 48 months, and the 20-times-salary cap still applies. This calculator respects both limits.