MORTGAGES & VISAS
DBR (debt burden ratio)
Also searched as: debt burden ratio
The UAE Central Bank cap on borrowing: all your monthly debt payments, including the new mortgage, may not exceed 50% of your monthly income. Banks apply it after stress-testing the rate, so your real ceiling is lower than the headline calculation.
Car loans and credit card limits (not just balances) count against DBR, so clearing or reducing limits before applying genuinely increases what you can borrow.
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This explains the general case. If DBR has come up in a live deal of yours, talk to the team: specific answers, registered numbers, no obligation.