Financial calculators for Dubai real estate.
Mortgage, net yield, rent-vs-buy, Golden Visa eligibility. Pure maths — no logins, no funnels, no hidden data.
80 / 20‑Autopilot: Self-learning publication schedule
80% of slots kept in baseline schedule, 20% test slots try a measurable hypothesis.
Real returns from Dubai Land Department deals: rent, payback, 5-year outlook.
What changed QoQ & YoY: prices, deals, yields and the most active buildings — from the Dubai Land Department registry.
Live listings vs Dubai Land Department deals: price vs market, yield and an honest verdict with a score.
Answers built from official DLD/RERA norms with the governing law cited. Only norms in force are quoted; not legal advice.
1,900+ off-plan projects: emirate → developer → district → project → PDF. First brochure free. Brochure figures are the developer's, not our analytics.
40+ currencies at official Central Bank of Russia rates. Reference only, not an offer — verify the bank rate for transactions.
Mortgage calculator
Annuity · Dubai rate 3.99–5.5% (2026)
Example scenario — replace with your own values. Not a current market benchmark.
Annuity formula. Excludes life insurance (~0.5% of loan), appraisal (AED 2,500–3,500) and DLD fees — see yield calculator.
Net rental yield
Gross vs Net · service charge included
Example scenario — replace with your own values. Not a current market benchmark.
Net yield includes 4% DLD fee, trustee AED 4,000, registration AED 2,000, vacancy and 3% for management/minor repairs. Excludes major capex every 7–10 years.
Rent vs Buy
5-year horizon · price growth included
Example scenario — replace with your own values. Not a current market benchmark.
Buying is better by AED 885,831 over 10 yrs · break-even from year 2.
Includes: 4% DLD, trustee + registration AED 6,000, 1.2%/yr maintenance, 3%/yr rent indexation (RERA cap), 2% on sale. No income or property tax in UAE.
Golden Visa — calculator
The market figure is hidden until fresh DLD data is verified.
Пример расчёта: замените цену и оплаченную сумму своими. Визовые пороги ниже — policy-константы, проверяйте условия у GDRFA перед подачей.
Eligible for Golden Visa: Yes — ready property ≥ AED 2M.
Source: GDRFA Dubai + ICP UAE. Visa covers spouse, children under 25, parents, domestic staff. Estimate only — final decision by GDRFA.
How we calculate
Methodology is open. If a formula raises doubts — ask ECOSYSTEM on Telegram.
01What formula is used for the mortgage?
Standard annuity: M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the loan amount, r is the monthly rate (annual ÷ 12), n is the number of payments.
02Why do gross and net yield differ so much?
The market figure is hidden until fresh DLD data is verified.
03Where does the 3% rent indexation in Rent vs Buy come from?
This is the RERA Rental Index 2024–2026 cap for zones with 5–10% growth — the owner cannot raise rent beyond this.
04What is a realistic price growth assumption?
Conservative long-term scenario — 4–6%/year. For off-plan in premier zones consider 8–12%/year to handover.
05Is a Golden Visa really available from AED 2M?
2000000 AED
06Are taxes included in the calculations?
In the UAE there is no personal income tax, no property tax, no capital gains tax. VAT 5% applies to commercial property, not residential.
07Are these calculators financial advice?
No. These are tools for preliminary assessment. ECOSYSTEM (RERA Licensed) provides individual calculations for your case — free consultation via Telegram.
Need a calculation for your specific property?
ECOSYSTEM (RERA Licensed) will prepare an individual financial plan: mortgage for your residency, actual area yield, tax model for your jurisdiction.