How do I use the rent vs buy calculator (Dubai)?
- Enter your current annual rent and expected yearly increase.
- Enter the property price, down payment and mortgage terms.
- Set how long you will stay, service charges and expected price growth.
What makes buying in Dubai expensive upfront?
The 4% DLD transfer fee, agency commission, mortgage registration and valuation fees add up to roughly 6–7% of the price before you move in. Those costs are only recovered through price growth and the rent you no longer pay, which takes time.
When does renting win?
Renting usually wins for short stays, when rents are low compared with prices, or when mortgage rates are high. It also keeps your options open if your job or visa situation might change.
When does buying win?
Buying tends to win over longer stays, when rents are rising quickly, and when prices grow. You also build equity as you repay the mortgage.
Rent vs buy calculator (Dubai): frequently asked questions
How many years do I need to stay for buying to make sense?
It depends on prices, rents and rates, but upfront costs of around 6–7% mean short stays usually favour renting. Try different stay lengths in the calculator.
What upfront costs are included?
The 4% Dubai Land Department transfer fee, a typical 2% agency fee, 0.25% mortgage registration and about AED 4,000 of other fees.
What is the minimum down payment in Dubai?
For expatriate first-time buyers it is typically 20% for homes up to AED 5 million, and more above that. UAE nationals have lower minimums.
Are service charges included?
Yes. Enter the annual service charges for the building or community; they are added to the cost of buying.
Does it include the opportunity cost of my down payment?
No. If your down payment could earn a return elsewhere, buying is a little more expensive than shown.
Does it include maintenance?
Only through service charges. Add an allowance for repairs inside the unit if you want a more conservative estimate.
What price growth should I assume?
No one can predict it. Try a cautious figure, zero, and a negative one to see how sensitive the result is.
Is this financial advice?
No. It is an estimate to help you think through the numbers. Speak to a mortgage adviser before deciding.
Are these calculations based on UAE rules?
Where a UAE rule applies (VAT, labour law, mortgage limits) the tool follows it and names the source. Rules change, so confirm important figures with the relevant authority.
Is the rent vs buy calculator (dubai) free?
Yes. It is free with no sign-up and no usage limits for normal use.