Are you for real?
You really need to wake up and smell the coffee. The 'Housing allowance" is not an allowance at all. The education allowance is, however, an allowance.
Whats the difference? If you don't use the education allowance, you don't get it, period. On the other hand, you will always get your 'housing' allowance.
By allocating money from you salary as an allowance, FZ can manipulate your end of service benefit. For example, a Captain who stays here for 5 years would be paid an additional 70,000 AED (appx) if the housing allowance was given as basic salary. When you multiple that by 500 pilots that's 35,000,000 AED, give or take the fact that I have only worked the figure out for Captains.
So the sensible thing to do is not to spend all your "allocated" rent allowance on rent and try and save some of your hard earned cash. Don't be fooled into thinking it is an allowance, it aint!
