Comprehensive tools to help you make informed property investment decisions in the UAE.
Full investment model: mortgage, rent growth, appreciation, and exit profit.
Upfront cash, exit scenario, and net profit breakdown.
| Item | Amount (AED) |
|---|---|
| Upfront Investment | |
| Down Payment | — |
| Closing Costs | — |
| Loan Amount | — |
| Total Investment | — |
| Exit Scenario | |
| Property Value (End) | — |
| Outstanding Loan | — |
| Net Cash from SaleAfter 2% fee & loan payoff | — |
| Rental IncomeNet of management & service | — |
| Mortgage Payments | — |
| Total Invested | — |
| Net Profit | — |
Estimate all costs involved in purchasing a property in Dubai.
All fees and total purchase cost at a glance.
| Item | Amount (AED) |
|---|---|
| Purchase Price | |
| Property Price | — |
| Government & Fees | |
| DLD Fee (4%) | — |
| Agency Fee (2% + 5% VAT) | — |
| Trustee / Registration | — |
| Total Purchase Cost | — |
Estimate how much you can borrow based on UAE banking rules (50% DBR). Max EMI = 50% of gross income minus monthly obligations.
How UAE banks calculate your maximum loan (50% DBR rule).
| Item | Amount (AED) |
|---|---|
| Income & Obligations | |
| Monthly Gross Income | — |
| 50% DBR Ceiling | — |
| Existing Monthly Obligations | — |
| Maximum Eligibility | |
| Max Monthly EMI | — |
| Max Loan Amount | — |
| Max Property (80% LTV) | — |
Should you rent or buy? See the 5-year financial comparison.
Rent vs buy — green highlights the better outcome per row.
| Metric | If You Rent | If You Buy |
|---|---|---|
| Cash Outflows (5 Years) | ||
| Total Rent / Housing Cost | — | — |
| Upfront Costs | — | — |
| Monthly Mortgage | — | — |
| Wealth Built | ||
| Equity / Property Value | AED 0 | — |
| Principal Paid Down | — | — |
| Net Position | ||
| Net Gain / Loss | — | — |
—
Project your property's future value based on annual appreciation rates.
Compound growth breakdown over your holding period.
| Item | Amount (AED) |
|---|---|
| Inputs | |
| Current Property Value | — |
| Annual Appreciation Rate | — |
| Holding Period | — |
| Projection | |
| Future Property Value | — |
| Capital Gain | — |
| Total Return | — |
Calculate your total net profit when selling your property after holding it for a few years.
Sale proceeds, costs, and your actual net profit.
| Item | Amount (AED) |
|---|---|
| Sale Proceeds | |
| Sale Price | — |
| Less: Selling Fees | — |
| Less: Loan Payoff | — |
| Net Cash from Sale | — |
| Income & Profit | |
| Total Rent Earned | — |
| Actual Total Profit | — |
Compare off-plan (developer payment plan, optional mortgage at handover) against a ready-to-move purchase with a mortgage. See upfront cash, fees, rent during construction, EMIs, and total cost to own — side by side.
Developer payment plan — cash at handover unless financed below.
Mortgage starts immediately — move in now.
Key numbers at a glance — green highlights the better option per row.
| Item | Off-Plan | Ready to Move |
|---|
Detailed breakdowns are in “How is this calculated?” below.
Everything you need to know about buying, owning, and investing in the UAE property market.
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