Your total debt payments shouldn’t be more than half of your annual income. For DBR, add up all of your payments and 5% of your overall credit card limits.
In this case, let’s say that your salary is 5,000 UAE Dirhams. Both your personal loan and car loan payments are AED 1200 per month, and your car loan payment is AED 400 per month. Thereby, your total monthly obligation is AED 2100 (1200 + 400 + 5% of Credit Card Limit). AED 2100 / AED 5000 x 100 = 42%, and your DBR is 42%.