Mortgage Stress Test (B-20)
OSFI qualifying rate: max(contract + 2%, 5.25%). GDS ≤ 39%, TDS ≤ 44%.
AED
%
%
yrs
AED
AED
AED
Enter 0 if not a condo
AED
AED
Car loans, credit cards, student loans
FAIL
Ratios exceed OSFI limits
Contract Payment
AED 3,930
At 5.5%
Stress Test Payment
AED 4,730
At 7.5% (qualifying rate)
GDS Ratio
52.96%
Fail (max 39%)
TDS Ratio
57.96%
Fail (max 44%)
Monthly Breakdown (at stress rate)
Mortgage paymentAED 4,730
Property taxAED 417
HeatingAED 150
Condo fee (50%)AED 0
GDS totalAED 5,296
Other debtsAED 500
TDS totalAED 5,796
Monthly incomeAED 10,000
Calculations are estimates only and do not constitute financial advice. Actual rates, fees, and eligibility may vary by lender. Always consult a licensed mortgage professional.