Interactive Dubai Property Calculators
Mortgage, DLD 4% Purchase Cost,Net Yield & Off-Plan Calculators
All figures are calculated primarily in UAE Dirhams (AED) and mirrored in your active display currency (AED). Adjust the sliders below to model upfront acquisition fees, monthly mortgage obligations, true net rental yield after service charges, and off-plan milestone schedules.
18+ Years UAE Experience27+ Master Developers108+ Verified Projects25+ Professionals
1. Property & Financing Inputs
Purchase PriceAED 2,500,000
Down Payment (20%)AED 500,000
UAE Central Bank LTV guideline: typically 20% minimum deposit for UAE residents (first home ≤ AED 5M) and 40%+ for non-resident borrowers.
Interest Rate4.49%
Mortgage Term25 Years
Estimated Monthly Mortgage
AED 11,105 / month
- Loan Principal (80%)
- AED 2,000,000
- Down Payment (20%)
- AED 500,000
- Total Interest Over 25 Yrs
- AED 1,331,500
Indicative repayment only. Final rate, bank valuation fee (approx. AED 2,500–3,150), and life insurance depend on the UAE lender.
DLD 4% & Upfront Purchase Costs
AED 162,570
Total estimated government & transaction fees
- DLD Transfer / Oqood Fee (4%)
- AED 100,000
- DLD Trustee Office Fee
- AED 4,200
- Title Deed / Certificate Admin
- AED 580
- Mortgage Reg (0.25% + AED 290)
- AED 5,290
- Brokerage Fee (2% + 5% VAT)
- AED 52,500
- Total Cash Needed (Deposit + Fees)
- AED 662,570
2. Gross vs True Net Rental Yield Worksheet
Deduct Service Charges, Maintenance & Vacancy
Expected Annual RentAED 185,000 / yr
Gross Rental Yield
7.40%
Before operating deductions
Estimated Net Yield
5.95%
Net: AED 148,750 / yr
• Annual Service Charges (1250 sq ft × AED 18): AED 22,500
• 5-Year Rent Outflow vs Buying Comparison: Paying AED 925,000 in rent over 5 years vs amortising approx. AED 280,000 of loan principal.
3. Off-Plan Payment Schedule Planner
Escrow Milestone Cash-Flow Breakdown (60-40 Plan)
Stage 1: Reservation & SPA Signing (20% + 4% DLD Oqood)Paid into the DLD-registered project escrow account
AED 600,000
Stage 2: Construction Milestones (40% across 4 instalments)Approx. AED 250,000 per certified construction milestone
AED 1,000,000
Stage 3: Completion & Key Handover (40%)Payable via cash or UAE bank handover mortgage upon BCC completion
AED 1,000,000
Calculator Assumptions & Non-Financial Advice Notice (Checklist §45):All calculator outputs on this page are illustrative estimates prepared by SWK Properties (RERA ORN 51517) for initial budgeting only. They do not constitute a mortgage offer, bank pre-approval, financial advice, or a guarantee of future rental returns. Actual DLD registration fees, trustee charges, developer Oqood fees, service charge indexes, and bank LTV ratios vary by property, developer, and borrower residency profile.