Financial Modelling
Rent vs Buy Calculator
Compare the cumulative financial outcome of renting against buying property in the UAE over a multi-year timeframe.
Estimated Equity Built (Year 10)
AED 1,515,800
Property value: AED 2,681,787
Total Rent Paid Over Period
AED 1,490,300
Initial Cash Outlay (Down + Fees)
AED 598,000
Monthly Mortgage Payment
AED 9,528
Model Methodology
- Accounts for initial purchase fees (DLD 4%, trustee, mortgage registration, valuation).
- Models yearly compound rental escalation against mortgage principal amortization.
- Assumes 1.5% annual allocation for service charges and maintenance.
Calculator Disclaimer: Estimates for illustration only, based on your inputs and the assumptions shown. Not a mortgage offer or pre-approval. Nothing you enter is stored or sent — calculations run in your browser.
Explore Your UAE Mortgage Options
Run your figures privately with our interactive browser-only calculators or review regulatory eligibility criteria before submitting your application.
1. Check Affordability
Assess maximum borrowing based on the CBUAE 50% DBR cap.
2. Estimate Buying Costs
Calculate DLD transfer, trustee, valuation, and agency fees.
3. See Eligibility
Review residency, salary, tenure, and credit score guidelines.
4. Get Documents Ready
Download or print tailored checklists for your profile.