Free calculators for Dubai real estate investors. Mortgage payments, DLD fees, rental yield, ROI and more. Instant results.
Calculators
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How much can you borrow in Dubai? Based on UAE Central Bank DBR and LTV rules for expats and nationals.
Calculate →Most used
Monthly payments, total interest and full cost breakdown for Dubai mortgages.
Calculate →Dubai specific
Exact Dubai Land Department transfer fees, mortgage registration and trustee costs.
Calculate →Investors
Gross and net rental yield based on purchase price, rent and annual costs.
Calculate →Full picture
Total return including rental income, capital appreciation and exit value over any hold period.
Calculate →Off-plan
Model returns on off-plan purchases — payment plan, handover appreciation and flip profit.
Calculate →Insights
A head-to-head comparison of off-plan and ready property investment in Dubai. We model the returns, risks and cash requirements for both strategies so you can decide which suits your goals.
Most Dubai buyers underestimate their upfront costs by 30–40%. Here's every fee you'll pay — DLD transfer fee, agency fee, mortgage registration, NOC — with a worked AED 2M example.
A data-driven breakdown of gross rental yields across Dubai's top investment areas in 2026. JVC, Dubai South, Marina, Business Bay — where does your money work hardest?
Everything non-residents and expats need to know about getting a Dubai mortgage in 2026: LTV limits, DBR rules, income requirements, which banks lend to foreigners, and how much you can borrow.
The Dubai Land Department (DLD) charges a transfer fee of 4% of the property purchase price, plus an AED 580 admin fee. If you are using a mortgage, an additional mortgage registration fee of 0.25% of the loan amount plus AED 290 applies.
A gross rental yield of 6–8% is considered good in Dubai. Net yield after service charges, management fees and vacancy typically ranges from 4–6%. Areas like JVC, Dubai South and International City tend to offer higher yields than prime areas like Downtown or Palm Jumeirah.
Dubai mortgage payments are calculated using the standard amortization formula: Monthly payment = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the loan amount, r is the monthly interest rate and n is the total number of payments. UAE banks typically offer rates between 3.5–5.5% for expats.
For expats, the minimum down payment is 20% for properties under AED 5 million and 30% for properties above AED 5 million. UAE nationals can purchase with a 15% down payment. Off-plan properties typically require a 50% down payment before a mortgage can be registered.
Dubai offers some of the highest rental yields globally at 6–8%, zero property tax, and strong capital appreciation in prime areas. The market is regulated by RERA and the DLD, offering investor protections. ROI depends heavily on location, property type and whether you are buying ready or off-plan.