Yes, existing credit card debt is factored into a UAE bank's overall debt-burden ratio assessment when evaluating a new loan application, since your minimum monthly payment obligation on any outstanding card balance counts as part of your total existing commitments. A high outstanding balance or consistently high utilization across your cards can reduce the maximum loan amount a bank is willing to approve, even if your income alone would otherwise support a larger loan, making it worth paying down significant card debt before applying if a larger loan amount is the goal.
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