Debt Burden Ratio (DBR) Calculator
Before you apply, find out the largest installment a bank can deduct from your salary and roughly how much you can borrow after your existing debts.
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Current loan installments and credit card payments
Maximum ratios set by the Saudi Central Bank (SAMA); the UAE caps DBR at 50%. Banks may apply slightly different limits.
Maximum monthly installment
3,999.6 SAR
33.33% of a 12,000 SAR salary
How it works
What is DBR?
Debt burden ratio is the share of your monthly salary that can go towards loan and card repayments. The UAE Central Bank caps it at 50%. In Saudi Arabia it's 33.33% for personal finance (25% for retirees) and up to 55–65% for mortgages depending on income.
How the maximum loan is estimated
We subtract your current obligations from the allowed installment, then work out the loan that installment can repay over your chosen term and rate — flat or reducing.
Frequently asked questions
What is the maximum DBR in the UAE?
50% of your gross monthly salary, including all existing loans and credit card obligations.
Do credit cards count towards DBR?
Yes. Banks usually count a percentage of your total card limit (often around 5%) as a monthly obligation, even if you pay in full.
Flat rate or reducing rate?
Flat rates are charged on the original amount for the whole term and are common for personal and car loans. Reducing rates are charged on the outstanding balance. A flat rate costs roughly double the same number as a reducing rate.