Investment Calculator
Test the Numbers
Model purchase costs, financing, rental income and holding-period outcomes.
Start from a unit type
Off-plan and ready units behave differently: off-plan carries no agency fee, an Oqood registration instead of a title deed, and no rent until handover. Ready units pay 2% agency plus VAT, a developer NOC, and rent from month one. Pick a starting point — every figure stays editable.
The numbers below are example assumptions. Change any field to model a real unit.
Off-plan (under construction)
Ready (handed over)
Costs follow the published Dubai schedule: a 4% DLD transfer fee plus a fixed admin fee, Oqood or title deed, trustee and conveyancing, developer NOC on resale, and mortgage registration at 0.25% of the loan. Service charges are calculated from unit size within the band set by the owners association.
Total estimated acquisition cost
Results
Projections
Projections
5 years: AED 2,615,804
10 years: AED 3,182,525
Total estimated acquisition cost — itemised
Ready: 2% agency plus VAT, title deed issuance and developer NOC.
Dubai Land Department. Some off-plan launches absorb part of it — confirm in the reservation form.
Issued at the trustee office on the day of transfer (incl. 5% VAT).
Off-plan: the developer pays the broker, so you pay nothing. Ready: 2% plus VAT on the purchase price.
Registration trustee office, conveyancer and document handling.
Required before transfer; confirms service charges are settled.
Charged on the loan amount when the mortgage is registered.
Non-residents are typically offered 50–60% LTV at 4–6% over 15–25 years.
Mandatory lender valuation of the unit.
Optional, but rent-ready furnishing is what most short-let and expat tenants expect.
Power of attorney, translation, travel, first insurance premium.
Available once your account and document service are connected.