In order to estimate your eligibility, each bank refers to a Stress Test Rate, currently averaging across banks about 7.30% (the rate used in the calculator). The rate varies between 6.4% and 8.5% depending on the Bank and its policy. The stress test rate tend to consider the following components: Emirates Interbank Offered Rate (known as EIBOR), a margin to cover for volatility in the EIBOR over the period of the loan, the net margin of the bank, loan and property insurance.