1
The property
Price, rent and running costs
years
% in total
From handover, “Property value growth” in step 3 applies
No rent and no service charge until handover. If you sell before handover, your return comes from value growth only.
AED
AED
sq ft
AED / sq ft
Typically 15–22
2
How you’ll pay
Cash or mortgage
% of price
Plus DLD 4% and fees
% of price
Spread evenly until handover
% of price
Developer post-handover plan
years
%
% a year
Check current bank offers
years
Maximum 25 years
AED
Principal + interest
3
Your plan
How long you’ll hold, and expected growth
years
Drag or type 1–30 years. This changes the net ROI, IRR and profit.
% a year
% a year
Developer guaranteed return
A fixed yearly return paid by the developer for a set period
% of price
years
Management, maintenance and re-letting still apply from year 1. Vacancy doesn’t, because the income is guaranteed.
Fine-tune costs
Dubai defaults are filled in. Change only what you know.
Dubai defaults are filled in. Change only what you know.
Buying costs
%
AED
AED
AED
% + VAT
AED
Mortgage costs
% + VAT
% + 290
AED
% of loan / yr
AED / yr
Running costs
% of rent
% of rent
% of rent
% of rent
Selling costs
% + VAT
In Dubai the buyer usually pays the 2%. Enter a rate only if you’ll pay a broker yourself.
% of balance
Capped at AED 10,000