迪拜房产的 财务 计算器。
按揭、净回报、租房还是买房、黄金签证资格。纯粹的数学——无需登录，没有套路，不藏数据。
80 / 20‑Autopilot: Self-learning publication schedule
80% of slots kept in baseline schedule, 20% test slots try a measurable hypothesis.
Remembers your criteria, ranks areas on verified DLD transactions, and tests property offers against your rules.
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.
按揭计算器
等额本息 · 迪拜利率 3.99–5.5%（2026）
Annuity formula. Excludes life insurance (~0.5% of loan), appraisal (AED 2,500–3,500) and DLD fees — see yield calculator.
净租金回报
毛回报 vs 净回报 · 已计入服务费
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.
租还是买
5 年周期 · 已计入房价上涨
买更划算 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.
黄金签证——计算器
签证门槛：购房金额自 2 000 000 AED 起。请输入房产价格与已付金额。
Пример расчёта: замените цену и оплаченную сумму своими. Визовые пороги ниже — policy-константы, проверяйте условия у GDRFA перед подачей.
符合黄金签证条件：是 — ready property ≥ AED 2M.
Source: GDRFA Dubai + ICP UAE. Visa covers spouse, children under 25, parents, domestic staff. Estimate only — final decision by GDRFA.
我们如何计算
计算方法完全公开。若对公式有疑问——在 Telegram 上问 ECOSYSTEM。
01按揭用什么公式计算？
标准等额本息：M = P × [r(1+r)^n] / [(1+r)^n − 1]，其中 P 为贷款金额，r 为月利率（年利率 ÷ 12），n 为还款期数。
02毛回报和净回报为什么差这么多？
毛回报按房价与年租金计算。净回报还要扣除服务费、空置期与管理成本，并把一次性购房支出（DLD 过户费 4 % 及登记杂费）摊到持有年限上。因此净回报始终低于毛回报，楼盘服务费越高，差距越大。
03「租还是买」里 3% 的租金指数化从何而来？
这是 RERA 租金指数 2024–2026 对涨幅 5–10% 区间的上限——房东不得超出此幅度涨租。
04多少的房价涨幅假设才现实？
保守的长期情景——每年 4–6%。核心地段的期房到交房前可按每年 8–12% 估算。
05200 万 AED 真能办黄金签证吗？
2000000 AED
06计算中包含税费吗？
阿联酋没有个人所得税、房产税和资本利得税。5% 增值税只适用于商业地产，不适用于住宅。
07这些计算器算财务建议吗？
不算。它们是初步评估工具。ECOSYSTEM（RERA 持牌）可为您的情况提供个性化测算——Telegram 免费咨询。
需要针对具体房源的测算？
ECOSYSTEM（RERA 持牌）将为您准备个性化财务方案：适配您居留身份的按揭、区域真实回报、您所在税务辖区的税务模型。