What does DBR mean?

Debt Burden Ratio, or DBR, is a financial metric that represents the percentage of your total monthly debt payments in relation to your monthly income. In the UAE, mortgage applicants are allowed a maximum DBR of 50% of their gross income. This means that all monthly debt commitments, including personal loans, car loans, credit cards, and mortgages, must not exceed this limit.
For example, if your monthly income is AED 30,000, your total permissible debt payments would be capped at AED 15,000 per month. This ratio helps lenders evaluate your financial health and capacity to manage additional debt, ensuring you don't take on more than you can handle financially.