Estimates only. All figures are indicative. Verify actual rate, down payment requirement, and life insurance premium with a licensed mortgage broker before making any investment decision.
UAE Central Bank minimum: 20% for expats, 15% for UAE nationals on 1st property (≤ AED 5M). Verify with your broker.
Auto-calculated
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Your planned cash contribution. Must meet the minimum.
Auto-calculated: Purchase Price − Down Payment
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Variable rates track EIBOR + a bank margin. Verify with your broker. Rates change frequently.
%
Years. Max 25 years for most Dubai mortgages.
yrs
Typically 0.5–1% of loan amount. Negotiable.
%
Auto-calculated from loan amount
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Used to estimate mandatory life insurance premium. An approximation only.
Affects life insurance premium estimate
Principal + Interest only.
—
Est. based on age, smoker status, and loan amount. Get a real quote from insurer.
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P&I + Life Insurance. Property insurance included in Section 3.
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Upfront Mortgage Costs
5 — Opportunity Cost of Capital▾
If you rent, the capital stays invested (e.g. equities or REIT). Set to 0 to ignore.
%
Monthly savings from renting vs buying, reinvested at above %.
6 — Full Cost Breakdown — 10 Years▾
Breakeven (When Buying becomes Cheaper than Renting)—
Year 0Year 30
🏠 Buying — Total Costs
Property price—
Upfront fees—
Mortgage payments—
Service charges—
Insurance & other costs—
Net Cost of Buying—
🔑 Renting — Total Costs
Total rent paid—
Opportunity cost of capital—
Net Cost of Renting—
For illustrative purposes only. Does not constitute financial advice. Consult a licensed adviser before making investment decisions.