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Buy vs Rent Calculator
Compare the true cost of buying versus renting in Dubai over your chosen time horizon.
Set your assumptions
10 years
1 yr30 yrs
Buying Assumptions
AED 1.50M
AED 200KAED 10.00M
20% — AED 300K
10% — AED 150K50% — AED 750K
4.5%
2%10%
25 years
5 years25 years
7% per year
0% per year15% per year
Renting Assumptions
AED 7K/mo
AED 2K/moAED 100K/mo
5% per year
0% per year15% per year
Buying costs include DLD fee (4%), agent fee (2%), and annual service charges (~1.2%). Renting costs subtract the opportunity cost of investing your down payment at 7% annual return.
Over 10 Years
buying is better
You save approximately AED 847K by buying
Break-even point: Year 4
Buying Breakdown
Monthly Mortgage PaymentAED 7K
Upfront Cost (DP + Fees)AED 390K
Total Spent (10 yrs)AED 1.37M
Property Value After 10 yrsAED 2.95M
Renting Breakdown
Current Monthly RentAED 7K
Total Rent Paid (10 yrs)AED 1.06M
Net Renting Cost (after inv.)AED 766K
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