Yield, financing, closing costs, rent-vs-buy, off-plan returns — the same math the terminal runs on every lead, open to everyone. All figures in AED.
What a property earns before costs. Dubai residential typically runs 5–9% gross depending on area and segment.
The yield you actually keep. Service charges in Dubai run AED 3–30+ per sq ft and are the number most buyers forget.
Standard amortised repayment. UAE banks lend up to 80% LTV under AED 5M (expat resident), 70% above.
Everything on top of the price: the 4% DLD transfer fee, trustee, title, agent, and mortgage fees. Budget ~7–8% all-in.
DLD fee 4% of price + AED 580 admin. Trustee AED 4,200 (AED 2,100 under 500k) + 5% VAT. Title deed AED 250. Mortgage: 0.25% registration + AED 290, bank arrangement ~1% of loan, valuation ~AED 3,000. Banks cannot finance these costs — they're cash.
Keep renting and invest the down payment, or buy and build equity? Compared over your horizon, all costs in.
Buy: equity at horizon (appreciated value − remaining loan) − down payment, buying costs, payments and upkeep, + rent you no longer pay. Rent: down-payment-equivalent invested at your return − rent paid. Selling costs at exit not included.
Payment plans mean you control the full asset with a fraction deployed. If prices move before handover, the return on your cash is levered.
Assumes resale at handover at market value; remaining instalments settle from proceeds. Developer NOC and resale-eligibility thresholds (often 30–40% paid) not modelled. Off-plan carries completion risk — this is arithmetic, not advice.
Every owner on the Palm, ranked by likelihood to sell, with the negotiation position and a matched buyer. For licensed operators.