According to Bayut — MyBayut Blog, the AECB score is one of several factors in UAE mortgage decisions and does not override the Central Bank's DBR and LTV limits.
According to Bayut — MyBayut Blog, an Al Etihad Credit Bureau (AECB) report is an important part of a lender's assessment when applying for a mortgage in the UAE. AECB is the country's federal credit bureau, collecting credit information from banks, finance companies, telecom providers and utility companies. Central Bank regulations require banks and finance companies to request a borrower's credit information from AECB before extending credit to an individual, and to report their own customers' data back to AECB at least monthly. The AECB credit score is a three-digit number from 300 to 900 that indicates the likelihood of an individual missing a payment within the next 12 months; a higher score generally means lower credit risk. The fuller Credit Report adds payment history, active credit accounts, recent inquiries, legal records and repayment behaviour, including bounced cheques and delinquency records. The article notes that delinquency is defined in relation to certain unpaid credit facilities, including cases of at least AED 1,000 outstanding for more than 180 days. Monthly telecom, water and electricity payments may also appear in reports. The reports do not show bank deposits, other assets, net worth or investments. The score does not set the regulatory limits on a mortgage. The Central Bank caps the Debt Burden Ratio (DBR) at 50% of gross salary and other regular, verifiable income, while the maximum Loan-to-Value (LTV) depends on factors such as nationality, property value and whether it is a first or subsequent purchase. According to the source, a weaker AECB profile does not typically raise the LTV cap, but it can influence whether a bank offers the maximum or a more conservative figure. Specific government-backed housing programmes may have different DBR limits. AECB does not set a minimum score for mortgage approval or make lending recommendations; thresholds are set by each bank's credit policy, so two lenders may assess the same report differently. PRYPCO's Ana Monteiro is quoted as saying a score above 700 can put borrowers in a stronger position to compare lenders and secure competitive rates, but banks also look at debt levels, income stability, employment history and the down payment. Lenders must assess repayment capacity, verified income, DBR and LTV, and cannot base decisions on expected income growth or anticipated property price appreciation.