Work out the total cost to buy, your rental return, or monthly mortgage payments — all based on current Dubai rules and fees.
AED
25% (min)25%80%
Fees shown are standard for 2026. DLD transfer fee: 4% of purchase price (buyer). Agency commission: 2% (standard, negotiable). Trustee office fee: AED 4,000 properties under AED 500K, AED 5,250 above. Mortgage registration: 0.25% of loan + AED 290. Some off-plan developers waive the DLD fee — confirm with your developer. These are estimates; always verify with your agency and trustee office.
AED
AED
AED
Typical: AED 10–30 per sq ft/year. Check with developer.
AED
0 wks2 wks12 wks
Mortgaged shows cash-on-cash return and bank stress test.
25%25%80%
2%4.50%9%
5 yrs20 yrs25 yrs
Gross yield = (annual rent ÷ purchase price) × 100. Net yield = ((annual rent − service charge − other costs) ÷ purchase price) × 100. Vacancy reduces effective rent. These are estimates — actual yield depends on your specific unit, tenant quality and market conditions. For current market yields by community, speak to an agency specialising in investment properties.
AED
Max loan: 75% (properties ≤ AED 5M). Min deposit: 25%.
25% (min)25%80%
2%4.50%9%
5 yrs20 yrs25 yrs
LTV limits (Central Bank of UAE 2023): non-UAE nationals — 75% for properties ≤ AED 5M, 65% above. UAE nationals — 80% (≤ AED 5M), 70% above. Max term: 25 years, must be repaid by age 65 (employed) or 70 (self-employed). Rates shown are illustrative — actual rate depends on your bank, income, credit profile and whether you take a fixed or variable product. Mortgage registration fee (0.25% of loan + AED 290) is separate from this calculation. Get a pre-approval letter from your bank before making an offer.
AED
AED
Car loans, personal loans, credit card minimums, etc.
20%25%80%
2%4.50%9%
5 yrs20 yrs25 yrs
Based on the UAE Central Bank Debt Burden Ratio (DBR) rule: total monthly obligations (including mortgage) must not exceed 50% of gross monthly income. This is the standard cap applied by UAE banks when assessing mortgage applications. Actual approval depends on your credit history, employment status, visa type and the specific bank's criteria. Get a formal pre-approval from your bank before making an offer.
AED
AED
What would renting a similar property cost per month?
25%25%80%
2%4.50%9%
5 yrs20 yrs25 yrs
1 yr5 yrs15 yrs
0%5.0%15%Dubai avg ≈ 5–8%/yr
AED
Comparison assumes: buying costs include DLD 4%, agency 2%, trustee AED 4,000–5,250 (based on price), plus all mortgage payments and service charges over the hold period. Capital gain is based on your growth assumption. Renting cost is monthly rent × months held. This does not account for investment returns on the deposit/down-payment saved by renting, rent inflation, or tax (UAE has no property tax or CGT). Use as a directional guide only.
Key numbers to know
DLD Transfer Fee
4% of the purchase price, paid by the buyer at the trustee office on transfer day. The largest single cost of buying in Dubai.
Agency Commission
2% of the purchase price, standard across Dubai. Paid by the buyer to the buyer's agent at or before transfer.
Min. Deposit (Mortgage)
25% for non-UAE nationals on properties up to AED 5M. 35% for properties above AED 5M. Cash buyers have no minimum.
Good Rental Yield
Gross yield of 6–8% is considered strong in Dubai. JVC, Business Bay and Sports City typically offer the highest yields in the mid-market segment.
Service Charges
Annual fee for building maintenance, paid by the owner. Ranges from AED 8/sqft (budget buildings) to AED 40+/sqft (premium towers). Check before buying — it directly affects net yield.
Golden Visa Threshold
Property worth AED 2M+ (equity, not purchase price if mortgaged) qualifies for a 10-year UAE Golden Visa. AED 750K+ qualifies for a 2-year investor visa.