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RICHMAN MORTGAGE ENGINE
Admin Control Panel
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⚙ PARAMETER CONTROL
Eligibility Limits
Min Property Value (M)
Default: 1.3M
Min Salary (AED)
Default: 15,000
Max Age — Salaried
Default: 65
Max Age — Self Employed
Default: 70
Max Age — Rental Income
Default: 75
Max Tenure (Years)
Default: 25
DBR Max %
Default: 50
LTV Rules
LTV for PV ≤ 5M (%)
Default: 80
LTV for PV > 5M (%)
Default: 70
Interest Rate Ranges
Salaried ROI Min (%)
Default: 3.70
Salaried ROI Max (%)
Default: 4.24
Self Employed ROI Min (%)
Default: 4.05
Self Employed ROI Max (%)
Default: 4.99
Buyout Benchmark — Salaried (%)
Default: 4.5
Buyout Benchmark — Self Emp (%)
Default: 5.1
Rental & Buyout Rules
Min Rental Income/Year (AED)
Default: 350,000
Min Rented Properties
Default: 3
Min Buyout Outstanding (AED)
Default: 1,000,000
Off Plan Rules
Banned Developer(s)
Default: DAMAC LAGOONS
Separate multiple with commas: DAMAC LAGOONS, XYZ DEVELOPER
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