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Rent or buy? See both sides.

Buying needs more cash at the start. But your deposit and mortgage principal build equity — they are not simply money gone. Explore a Dubai scenario with that distinction built in.

Annual rent (AED)Use the annual rent for a comparable home

Purchase price (AED)Illustrative starting value — replace with a real home

Deposit (%)Cash contribution, not a mortgage eligibility check

Years before sellingWhole years, 1–30; sale is assumed at the end

Mortgage rate (%)Held constant; replace with a lender's quoted rate

Mortgage term (years)Whole years, 1–25

Fees, running costs & what-ifsAdjust assumptions

Starting figures are editable planning placeholders, not quotes. No home-price growth or later rent rise is assumed by default.

Total purchase fees (% of price)7% placeholder: replace with all transfer, broker, lender and registration costs

Total selling fees (% of sale)2% placeholder: include selling and loan-exit costs in your own estimate

Annual ownership running costs (AED)AED 30,000 placeholder: service charges, maintenance and required insurance

Non-refundable rental setup fees (AED)Starts at zero: add your agency, contract and other non-refundable fees

DLD benchmark above your rent (%)If your rent is 100,000 and DLD's benchmark is 125,000, enter 25

Annual rent change from year 3 (%)A what-if from year 3, not a permitted renewal increase

Annual home-value change (%)0% holds value flat. Test a fall as well as a rise; not a forecast

Check building-specific service charges in the DLD Mollak index. A percentage of a property's price is not a building's actual service-charge bill.