Borrowing power → UAE community shortlist

DBR-based borrowing-power calc (50% of gross monthly income per Central Bank UAE, 4.5% indicative rate, 25-year tenure) feeds into our combined Dubai (66 communities) + Abu Dhabi (18 communities) universe. We surface communities within your budget AND rank them by 5-year median price growth. Resident-applicant ready-property assumption — non-residents face a 60% LTV cap (vs 80% for residents) and off-plan is capped at 65%.

How the borrowing power figure works: Single resident applicant, DBR 50% (Central Bank UAE max). 4.5% p.a. indicative rate, 25-year tenure. LTV capped at 80% per CBUAE norms for residents on a first ready-property purchase under AED 5M; second property drops to 65%, non-residents to 60%, off-plan to 65%. Adjust deposit accordingly.

What this DOESN'T include: DLD transfer fee (4% of property price + AED 580 admin), bank processing fee (typically 0.5-1%), valuation fee (AED 2,500-3,500), broker commission (2% + 5% VAT), mortgage registration (0.25% of loan + AED 290). Budget another 6-8% on top of the headline price.

Data coverage: We rank from 66 seeded Dubai communities + 18 Abu Dhabi communities with real median-price data. Communities outside this curated set won't appear — see /dubai and /abu-dhabi for the full per-locality framework deep-dive.

Want this for Australia or India? Each uses country-specific borrowing-power conventions.