Debt Ratio Calculator For UAE
Income Details
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.
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Interest Rate
Loan Amount
Reducing Rate
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Advantages
- No processing fees
- Free ADIB Booking.com Signature Card
- Can postpone 2 installments per year
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 an interest rate of 7.25%
- Minimum salary of AED 5,000 is required
- The reduction rate and the flat rates are 7.25% 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 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
Advantages
- Credit life insurance is not mandatory
- Quick processing & approval
- Flexible tenure
- The loan is provided for an interest rate from 6.75% to 19%
- Minimum salary of AED 7,500 is required for salaried & AED 20000 for self employed Dentists or Doctors.
- The reduction rate starts from 6.75% to 19%
- It is mandatory to transfer your salary
- Maximum finance provided is up to AED 750,000 for expats and AED 1,000,000 for UAE national
- Early settlement fee is 1% of finance amount
Late Payment Fee: 2% of delayed amount
Partial Loan Payment: 1% of payment - Arrangement fee is 1% of loan amount
- Applicants can get up to AED 1,000,000 loan amount
Documentation is simple and easy
Flexible repayment terms: Choose a repayment period from 6 to 48 months.
No credit life insurance required: No extra insurance needed for your loan.
Personalised interest rates: Get a rate tailored to your circumstances.
Loan top-ups available: Borrow more later, subject to approval.
Advantages
- Flexible tenure
- Quick processing
- High finance
Features
- Length of service should be minimum 6 months
- Need to provide salary transfer letter in Mashreq format
- Only Expats can apply for this scheme
Features
- Length of service should be minimum 6 months
- Need to provide salary transfer letter in Mashreq format
- Only Expats can apply for this scheme
- The loan is provided for a interest rate of 6.49%
- Minimum salary of AED 7,000 is required for an approved company. For non-listed companies, AED 10,000 is required.
- The reduction rate and the flat rate is 6.49% and 3.57%. 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 1.05% of finance amount
- Arrangement fee is 1.05% of loan amount
- Applicants can get up to AED 1,000,000 loan amount
Documentation is simple and easy
There is low salary requirement and long repayment period along with this scheme
Credit Card, Cheque book and debit card is provided free along with this scheme
Applicants can get finance for non-listed companies in UAE too
Advantages
- Free rewards credit card
- Overdraft facility on current account
- Phone banking facility
Features
- The reduction rate and the flat rate is 6.75% and 3%. This denotes that the computation done was a division of the reduction rate by 1.814
- The loan is provided for a interest rate of 6.75%
- Minimum salary of AED 8000 is required
Features
- Repayment period is up to 4 years
- The loan is provided for a interest rate of 6.75%
- Minimum salary of AED 8000 is required
- The reduction rate and the flat rate is 6.75% 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
Advantages
- Free debit card
- Current account with no minimum balance
- Can avail top-up facility
Features
- The reduction rate and the flat rate is 5.5% and 3.03%. This denotes that the computation done was a division of the reduction rate by 1.814
- The loan is provided for a interest rate of 5.5%
- Minimum salary of AED 8,000 is required
Features
- Repayment period is up to 4 years
- The loan is provided for a interest rate of 5.5%
- Minimum salary of AED 8,000 is required
- The reduction rate and the flat rate is 5.5% and 3.03%. 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 750,000
- Early settlement fee is 1% of finance amount
- Takaful fee is 0.82% of the finance amount
- Arrangement fee is 1% of loan amount
- High Finance amount is provided by the bank
Availability of buy-out facility
Determent facility available - maximum 2 times a year without additional profit
Free Debit Card is provided along with this scheme
Free Current Account is provided along with this scheme with no minimum balance requirement
Advantages
- Free 0 balance account
- Low interest rates
- High finance amount
Features
- The reduction rate and the flat rate is 5.69% and 3.03%.
- The loan is provided for competitive interest rates & starting from 5.69%
- Minimum salary of AED 5000 is required
Features
- Repayment period is up to 4 years
- The loan is provided for competitive interest rates & starting from 5.69%
- Minimum salary of AED 5000 is required
- The reduction rate and the flat rate is 5.69% and 3.03%.
- It is mandatory to transfer your salary to apply for this scheme
- Finance up to AED 3,000,000
- Early settlement fee is 1.05% of finance amount
- Arrangement fee is 1.05% of loan amount
- Expats can get up to AED 3,000,000 loan amount
Get a zero-balance account
Get a Free Miles or points credit card
Around 560 ATMs of the Emirates NBD are there around the UAE
New Employees can also apply for this scheme
Initial payment postponement extends for a maximum of 60 days.
You can miss up to two non-consecutive installments per year
Free Debit Card and bank account is provided along with this scheme
The repayment period is long
Advantages
- Personal life insurance coverage is provided
- Quick approval
- Get a fixed Interest rate at 5.34 % per year for Multi Product Package (with a salary transfer to your FAB account and holding a credit card from FAB)
Get a Variable interest rate of 6.95% per year for a salary transfer to your FAB account without holding a FAB credit card
A reducing rate of 6.95% and a flat rate of 3.55% is charged. The flat rate is calculated by dividing the reducing rate by 1.814 (Indicative only) - A minimum salary of AED 7000 is required
- Salary transfer is required with or without holding FAB credit card
- Maximum loan amount of AED 2 Million is provided
- Comprehensive personal life insurance coverage
You can achieve financial goals with FAB personal loan by enjoying the best interest rates which start at 5.34 percent per year
Get the privilege of flexible repayment with 120 days first installment grace period.
Enjoy quick and easy approvals with hassle free documents.
Get up to AED 7,500 FAB rewards when you transfer salary to FAB account holding FAB credit card
Advantages
- Free Credit Card
- Low processing fees
- Only 1 month salary transfer is required
Features
- The flat rate and the reduction rate is 3.99% and 7.34%.
- The loan is provided for a interest rate of 7.34%
- Minimum salary of AED 10,000 is required
Features
- Repayment period is up to 4 years
- The loan is provided for a interest rate of 7.34%
- Minimum salary of AED 10,000 is required
- The flat rate and the reduction rate is 3.99% and 7.34%.
- It is mandatory to transfer your salary to apply for this scheme
- Finance up to AED 2,000,000
- Early settlement fee is 1.05% of finance amount
- Arrangement fee is 1% 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
Advantages
- Finance is based on Sharia principles
- Quick processing
- High loan amount
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 interest rates starts from 11% onwards up to 21.99% (reducing rate)
- Minimum salary of AED 3000 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
Customers who can transfer their salary to DIB (Dubai Islamic Bank) can request installment postponement through the DIB alt phone banking service. - Finance up to AED 2,000,000
- Early settlement fee is 1.05% 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
Advantages
- Free Credit Card
- Only 1 month salary transfer is required
Features
- The reduction rate and the flat rate is 5.5% and 2.99%.
- The loan is provided for a interest rate of 5.5%
- Minimum salary of AED 10,000 is required
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 5.5%
- Minimum salary of AED 10,000 is required
- The reduction rate and the flat rate is 5.5% and 2.99%.
- It is mandatory to transfer your salary to apply for this scheme
- Finance up to AED 4,000,000
- Early settlement fee is 1.05% of finance amount
- Arrangement fee is 1.05% 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