The Central Bank of the UAE has clarified that Nafis payments and incentives are time-limited and conditional. They cannot be counted as guaranteed income for loan eligibility. Banks may consider Nafis on a strict case-by-case basis under clear rules. Mohamed bin Hadi Al Hussaini, Minister of State for Financial Affairs, said the Central Bank views Nafis as government support to encourage citizens to work in the private sector. However, this support fails the bank's rules for stable and regular income per Article No. 2 of the personal loans regulation (2011). The Central Bank requires verifiable income for loans to be stable, consistent, and likely to continue throughout the loan term. Nafis financial support is a temporary incentive and does not qualify as reliable, long-term income. This affects the Debt-Burden Ratio (DBR) calculations for Emirati private sector employees. The Central Bank states monthly loan and credit card payments cannot exceed 50% of a borrower's gross monthly income. Because many lenders see Nafis bonuses as temporary, they exclude it from income totals, lowering recognized income and making it harder for beneficiaries to get loans. This situation places Emiratis in private jobs at a disadvantage compared to government employees when seeking loans for homes or projects. Nafis, launched in 2021, is a federal programme aiming to create 75,000 private sector jobs for Emiratis by 2026. It uses AED 24 billion to offer salary top-ups, pension subsidies, child allowances, and unemployment benefits. The top-up can add up to AED 7,000 monthly for up to five years for degree holders. Industry experts see the Central Bank's clarification as necessary for financial safety while supporting loan access and Emiratisation goals. Banks will issue their own rules soon, and regulators will ensure consistent implementation. Nafis continues as a major tool to boost Emiratis in the private sector.