Personal applicant assessment

Personal Loan Affordability Calculator

Estimate monthly repayment, total DBR, a DBR-based capacity range, and a transparent readiness profile from income, existing facilities, AECB score, employment, and payment history.

DBR reference: UAE Central Bank rules cap aggregate monthly loan deductions at 50% of gross salary and regular income; lenders can apply lower limits and other eligibility conditions. Use the retirement selector for a more conservative reference. CBUAE repayment guidance

Income & existing obligations

Gross monthly salary / regular income (AED)

Existing monthly loan / mortgage payments (AED)

Monthly credit card payment obligations (AED)

Income / retirement profile

Salary transfer

Employer type

Length of employment (years)

Personal AECB score (self-reported)This page does not access AECB or verify the reported score.

Payment history

Credit utilization (%)

Loan request & structure

Requested personal finance amount (AED)

Term (months)

Annual rate / profit assumption (%)

Upfront fees (AED)

Preferred structure

Stress-test rate addition (percentage points)Illustrative sensitivity assumption; the lender sets its own stress test.

Loan purpose

Live DBR & capacity assessment

Personal loan eligibility dashboard

Current DBR—

Existing monthly obligations ÷ income

DBR with proposed payment—

Reference limit

Estimated monthly payment—

Indicative capacity range—

PV of remaining DBR payment allowance at stressed rate

Total estimated repayment—

Estimated cost incl. fees—

Fee-adjusted annual rate—

AECB & applicant readiness score—

Rule-based profile fit, not approval odds

Applicant assessment—

Does not represent a lender decision

Payment structure comparison

Islamic vs conventional estimate

Conventional uses monthly amortization; Islamic uses a simple flat-profit illustration. This is not a lender quote, contract, or Sharia certification.

Structure	Monthly payment	Total repayment + fee	Estimated cost

The profile-fit score is a transparent educational screening model, not an approval probability. Lender policy, verified AECB information, employer eligibility, salary transfer, age, and documentation determine actual terms.