# What is meant by analyzing the ratio of the financial ability to get a loan (DBR) Debt Burden Ratio?

## What is meant by the concept of analyzing the ratio of the financial ability to get a loan, i.e. is the financial ratio available in the client's sources of income, which allows the client to get a loan.To illustrate this ratio, we will give a simple example:A client whose total monthly sources of income amount to AED 50,000, and his financial obligations are distributed as follows:A car loan with a monthly installment of 2500 dirhams.Personal loan with a monthly installment of 2000 dirhams.A credit card with a revolving credit limit of 50,000 dirhams (5% of the limit granted on the card is calculated as a monthly obligation on the client)Based on the above, we notice that the total obligations of the client is = 2500 + 2000 + 2500 = 7000 dirhams.The percentage of the total obligations is calculated from the total sources of income = (7000 / 50000) * 100% = 14%The bank allows the client to be granted a mortgage that amounts to 50% of the total income along with his monthly obligations. Therefore, in the previous example, the client can get a loan with a monthly installment that amounts to 36% of his income sources, i.e. with a monthly installment of 18,000 dirhams.In light of this, your mortgage advisor begins calculating the value of the loan that you can obtain, taking into account the client's age to calculate the years of the loan and the interest/profit rate.Contact one of our consultants to calculate your financial ability to get a mortgage and calculate the amount of financing that you can obtain.

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