Two separate ceilings apply to every Dubai mortgage, and whichever is lower decides the outcome. The first is 50% of your monthly income after existing commitments: the maximum repayment a lender will count. The second is the loan-to-value cap set by your residency lane. A high income does not override a low LTV cap, and a large down payment does not override the debt-burden limit.
Lenders test whether repayments still fit within 50% if the rate rose to EIBOR + 0.5%, not at today's headline rate. The term matters too: the maximum is 25 years, and it shortens if that would carry the loan past a lender's maximum age at maturity. The calculator on this page runs both checks against your numbers: the result is the number, not a paragraph explaining it.
Banks count base salary reliably; allowances, bonuses, and commission are typically included at a discount or averaged over recent months. Rental income from other property and self-employed profit are both usable but need more documentation to be accepted at face value. Exactly how much of each a lender counts varies bank to bank.
Usually, but not at full face value. Lenders typically average it over recent periods and apply a discount before adding it to base salary for the 50% calculation. A broker can tell you how a specific bank treats your pay structure.
Yes. It counts as an existing monthly commitment, which reduces the room left under the 50% limit for a new Dubai mortgage repayment.
Each bank sets its own minimum, and they vary. The rule that applies everywhere is 50%: if your income after commitments cannot support a viable repayment within that limit, the minimum salary question does not arise.