What is the meaning of DBR?

Debt Burden Ratio aka DBR means a financial metric that measures the ratio of your total monthly debt payments to your monthly income. In the UAE, the maximum DBR allowed for mortgage applicants is 50% of their gross income, meaning that all monthly debt obligations—including personal loans, auto loans, credit cards, and mortgages—should not exceed this limit.

For instance, if your monthly income is AED 30,000, your total allowable monthly debt payments would be AED 15,000. This ratio helps lenders assess your financial stability and ability to manage additional debt, ensuring that you do not overextend yourself financially.