Auram Prime Mortgage Comfort Intelligence
Test the mortgage against your life—not only bank eligibility.
Estimate the base EMI, stress a higher rate, compare total debt with income and see how much breathing room remains after property and household costs.
Editable assumptionsPrivate by defaultNo promised outcome
Calculator begins below
Three-layer comfort test
Connect the loan to real household life.
Use a current bank Key Facts Statement or clearly labelled scenario. Approval remains the lender’s decision; comfort depends on liabilities, property costs, household commitments and retained liquidity.
Your entries remain in your browser. Auram Prime does not receive them unless you intentionally copy or share the summary.
Six decision controls
The result becomes useful only when the assumptions stay visible.
These controls explain what the tool is testing and what still requires property-specific evidence.
- 01
Loan structure
Loan amount, rate, tenure and current valuation.
- 02
Rate stress
Test two to four percentage points above the current rate.
- 03
Debt burden
Existing monthly liabilities plus the proposed EMI.
- 04
Free cash
Income left after debt, property cost and essentials.
- 05
Valuation gap
Extra cash if the bank finances against a lower valuation.
- 06
Reserve months
How long liquid cash may support core outgoings.
Official verification
Use the source closest to the fee, rule or transaction step.
Public calculations remain indicative. Confirm current official services, signed documents, bank terms and property-specific statements before relying on the result.
Important Mortgage Ratios
Review the DBR ceiling, stress testing and mortgage-loan framework.
Open official source → Central Bank of the UAEMortgage Regulations
Check current LTV and borrower/property rules.
Open official source → Dubai Land DepartmentMortgage Registration
Confirm the current mortgage-registration route and charges.
Open official source →Continue the property decision
Use the next route that closes the most important remaining gap.
Frequently asked questions
Read the result with the right boundaries.
These tools organise scenarios. They do not replace current official information, signed documents or appropriately qualified professional advice.
Does a DBR below 50% guarantee approval?
No. The regulatory ceiling is not an approval promise. Banks can apply stricter underwriting and assess income, liabilities, property eligibility, valuation and documents differently.
Why is a higher-rate stress test included?
The actual rate may change after an introductory period or before an off-plan property reaches handover. A stress test shows whether the payment remains manageable under a less comfortable scenario.
Can this checker replace a bank pre-approval?
No. It is an indicative household-planning tool. Only a licensed lender can assess eligibility, issue terms and approve finance.
Clarity before commitment
Do not ask only whether the mortgage can be approved. Ask whether it can be carried comfortably.
This public tool provides general indicative scenario planning only. It is not legal, tax, accounting, financial, mortgage, valuation, engineering or investment advice. Results depend entirely on entered assumptions and do not guarantee availability, approval, completion, rent, return, resale, valuation or transaction outcome.