Loan Eligibility Calculator Free

Enter your monthly income and existing EMIs. Based on the share of income lenders allow for debt, see the maximum EMI you qualify for and the loan amount it supports.

✅ Your finances

UAE Central Bank caps total DBR at 50% of salary.

💰 You could borrow

Maximum loan (approx.)AED 1,797,922
Maximum EMIAED 10,500
Over25 years (300 EMIs)
Total repaidAED 3,150,000
Total interestAED 1,352,078

Estimate only. Approval also depends on credit score, employer, length of service and, for property, the loan-to-value limit.

Built by Pyalm

Pyalm Books keeps your business finances in one place — invoices, expenses, bank reconciliation, VAT and reports — so loan repayments and cash flow are always visible.

Pyalm productPyalm BooksAccounting, invoicing, POS and inventory for UAE businesses — VAT returns, e-invoices and PDF documents generated for you.Start free on Pyalm Books Pyalm serviceCustom softwareInternal tools, portals and business systems built around how your team actually works — not the other way round.See custom software

How lenders decide

Banks cap the share of your income that can go to loan repayments. In the UAE the Central Bank limits total debt-burden ratio (DBR) to 50% of salary for individuals. Indian lenders use FOIR (fixed obligations to income ratio), typically 40–60% depending on income and the lender.

From EMI to loan amount

Once the maximum EMI is known — allowed share of income minus the EMIs you already pay — the loan amount is the present value of that EMI over the tenure at the quoted rate. A longer tenure or lower rate raises how much you can borrow.

📖 Read the full guide: Loan Eligibility Explained: DBR in the UAE and FOIR in India

Related

More free tools you might need

🏠

EMI CalculatorFree

Calculate EMI for home, car and personal loans — with a full month-by-month amortisation schedule.

🏦

Business Loan EMI CalculatorFree

Work out your monthly EMI, total interest, and total payable on any business loan.

💼

Salary Calculator (UAE)Free

Break a UAE salary into basic, allowances, and true employer cost.

Browse all free tools

FAQ

Frequently asked questions

Is this the amount a bank will approve?

It's an estimate. Banks also consider credit score (AECB in the UAE, CIBIL in India), employer category, length of service, property value (loan-to-value limits) and their own policies.

What about UAE mortgage limits?

Besides DBR, UAE mortgages have loan-to-value caps — for example, first homes up to AED 5 million are typically capped at 80% LTV for expats. Check the latest Central Bank regulations and your bank's policy.

Stop building business documents by hand

Pyalm Books keeps your business finances in one place — invoices, expenses, bank reconciliation, VAT and reports — so loan repayments and cash flow are always visible.

Start free on Pyalm Books

Need a tool like this built around your own workflow? Custom software · AI automation