THUMANI / YOUR BUYING POWER

Find your comfortable range.
Then find your home.

A salary is a starting point. Bring your commitments, everyday life and available cash into the picture before deciding what to buy.

Build my affordability picture

THE AFFORDABILITY DESK

What would you like to work out?

Residency statusGross regular income (AED)Existing monthly debt (AED)Total available cash (AED)Quoted annual interest / profit rate (%)Loan duration 25 yearsModel range: 1–25 years. Lender age and retirement checks may shorten it.

Adjust budget, fees & lender assumptions

Your income and monthly life

Employment typeTake-home income (AED)Living costs after buying (AED)Monthly savings / safety buffer (AED)

Use verified recurring income, excluding hoped-for rental income. Existing debt must include bank-assessed credit-card commitments. Living costs include service charges, insurance, utilities and dependants; remove rent only if it genuinely stops.

Your purchase and cash reserve

Purchase purposeProperty statusCash to keep aside (AED)Other quoted purchase costs, including applicable VAT (AED)Dubai transfer fee — buyer share

Keep your cash reserve aside. Dubai costs include your agreed share of the 4% transfer fee and 0.25% mortgage registration. Enter all other quoted costs; other emirates need a separate fee review.

Higher-rate scenario

Post-introductory rate for stress test (%)Stress increase (percentage points)

Stress uses the higher of the entered and post-introductory rates, plus the selected increase. Rates are illustrations, not offers. Confirm actual assumptions with your lender.

Uses the budget and cash assumptions in the options above. Edit them for your circumstances.

UNDERSTAND YOUR RANGE

Borrowing power.
Buying comfort.

Your modelled range is limited by whichever constraint is tighter. A higher salary cannot replace purchase cash, and a bigger deposit does not make a monthly payment comfortable.

Room to repay

We use the smaller of your debt-burden headroom and take-home income left after commitments, living costs and your savings buffer. The stressed payment determines the loan capacity.

A cash-backed purchase

Your property budget keeps the cash reserve untouched and allows for the deposit and entered Dubai purchase costs. Loan-to-value limits change with purchase type and value.

Evidence behind the income

The reference finance ceiling is seven years of annual income for expatriates and eight for nationals. Self-employed applicants need verified sustainable income; this model makes no automatic employment-based approval.

THUMANI GUIDE / AI CONNECTION PLANNED

Make sense of the next question.

Choose a topic or ask a short question. This working guide uses prepared explanations and your current result; it is not a live AI service.

Start with a topic above. Your calculator inputs are not sent to an external service.

FROM A RANGE TO A REAL HOME

A budget you understand.
A search with direction.

Bring your priorities and this illustration to Thumani. We can help organise the property search and the questions for your lender.

Start a conversation Explore homes

THE DETAILS THAT MATTER

Before you
make a commitment.

Does this prove I am eligible?

No. The result is a planning estimate. A bank checks credit history, verified income, all commitments, age, retirement, valuation and product requirements. Pre-approval is a separate process.

Why use a 50% debt-burden assumption?

This conservative model uses the general Article 3 mortgage rule. Article 5 allows different treatment for qualifying guaranteed national housing programmes. Those concessions and lender-specific exceptions are excluded; confirm the applicable treatment with your lender.

What loan-to-value limits does the model use?

First owner-occupied homes up to AED 5 million: 80% for resident expatriates and 85% for nationals; above that value: 70% and 75%. Subsequent / investment: 60% and 65%. Off-plan: 50%. The non-resident profile uses ADCB’s 50% / 15-year example, not a universal rule.

How are fixed and Islamic rates treated?

Scheduled payments assume the entered rate throughout the term, even when the real offer resets later. Stress uses a separate post-introductory rate assumption. Islamic contracts may have a different schedule; confirm the bank’s full payment illustration.

Can Thumani AI be connected later?

Yes. This page currently has a guided helper. A live AI assistant needs a hosted service, appropriate privacy controls and a securely configured provider connection. It should explain the calculator rather than make approval decisions.

References reviewed 9 October 2026. CBUAE mortgage regulations ↗ · Housing-program exceptions ↗ · CBUAE LTV reference ↗ · ADCB example ↗ · DLD buyer guide ↗ · DLD registration ↗