Tools · Dubai
Dubai property calculators
Two sums every buyer in Dubai ends up doing on the back of an envelope, done properly: what a mortgage costs a month and what you need in cash on the day, and what a property returns once it is let. Beside them, the two tables the sums depend on.
Mortgage calculator
Price, deposit, rate and term in; the monthly repayment, the loan, the total interest and the cash you need on completion out — with the Central Bank’s deposit floor checked as you type.
Rental yield calculator
Price, rent, service charge and running costs in; gross yield, net yield, net income and payback out. The number every advert quotes beside the number you actually keep.
On the day
What it costs to buy in Dubai
Everything a buyer pays on top of the price, in cash, on completion. The DLD figures are regulation; the rest is what the market does.
| Fee | Amount | Note |
|---|---|---|
| DLD transfer fee | 4% of the price | Paid by the buyer. Cannot be borrowed. |
| Title deed | AED 580 | Issued by the DLD at transfer. |
| Trustee office | AED 4,000 + VAT | AED 2,000 + VAT under AED 500,000. |
| Agency commission | 2% + VAT | Conventionally 2%; 2.1% of the price all in. |
| Mortgage registration | 0.25% of the loan + AED 290 | Only with a mortgage. Regulation. |
| Valuation and arrangement | Varies by lender | Commonly up to 1% of the loan plus VAT, and a valuation fee. |
A cash purchase lands a little over 6% above the price. A mortgaged one adds the bank’s fees and the registration charge on top. The mortgage calculator adds it all up for a price of your choosing →
The rules
How much deposit a Dubai mortgage needs
Set by the UAE Central Bank, not by the bank you borrow from. A lender may ask for more; it may not accept less.
| Buyer | Up to AED 5m | Above AED 5m |
|---|---|---|
| Expatriate, first home | 20% | 30% |
| UAE national, first home | 15% | 25% |
| Second or investment property | 35% | 35% |
| Off-plan, any buyer | 50% | 50% |
- The term runs to twenty-five years at most and must end by age 65, or 70 if you are self-employed.
- The repayment, with every other loan and card you carry, may not exceed half your monthly income.
- Early settlement is capped at 1% of the outstanding balance or AED 10,000, whichever is lower.