Get Mortgage Consultancy - UAE DBR Optimizer

Income Qualification Assessment Matrix

Income Line Item (Input Value)

Converted Bank Monthly Cap

SALARY (Monthly Input)

AED

Formula: Direct (=E6)

AED

INCENTIVE (Six Months Vol.)

AED

Formula: Avg/6 * 50%

AED

BONUS (Total Last 3 Years)

AED

Formula: Avg/3 * 50% / 12

AED

AIRFARE (Yearly Allowance)

AED

Formula: Value / 12

AED

RENTAL (Gross Yearly Income)

AED

Formula: Value * 83% / 12

AED

Current Outstanding Obligations

CREDIT CARDS Total Combined Limit

AED

Auto Factor Exposure (5%)

AED

Personal Loan EMI

AED

Auto Loan EMI

AED

Home Loan EMI (Existing)

AED

Company/Friend Loan EMI

AED

Stressed EMI / Extra Buffers

AED

New Proposed Mortgage Parameters

Target Financing Loan Amount

AED

Annual Interest Rate (Reducing)

Financing Loan Tenor Sizing

Years

Months

Risk Analysis Dashboard

Assessed Debt Burden Ratio (DBR)

0.00%

PASS

Assessed Income

AED 0

Total Liabilities

AED 0

Proposed Mortgage Monthly EMI

AED 0

Total: 0 months

                        🎯 Max Sizing Capabilities (50% DBR)
                    
Max Allowed Debt Ceiling:
AED 0
Current Debt Deducted:
AED 0
Max Affordable Mortgage EMI:
AED 0
Max Borrowing Capital:
AED 0

Affordability Tip: Reducing outstanding card limits by 20,000 AED immediately frees up 1,000 AED in monthly debt capacity, maximizing mortgage eligibility.