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Your numbers

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Renting
Annual rent AED 80,000
AED 20KAED 500K
Annual rent increase
%
Buying
Property price AED 1,500,000
AED 300KAED 10M
Residency status
It can impact down payment requirements when getting a mortgage.
Down payment 20%
AED 300,000
AED 0AED 0
Mortgage rate
%
Mortgage term
Assumptions
Property appreciation / year
%
Comparison period
Saved if buying
—
Lost if renting
—
Total cost breakdown 10 years

Renting total

Rent paidAED 1,006,000
InsuranceAED 15,000
Total outAED 1,021,000

Buying total

Upfront costsAED 180,000
Mortgage paidAED 733,800
Property valueAED 2,220,000
Net costAED 706,600
4yrs

Break-even point

Buying becomes cheaper than renting after 4 years. If you plan to stay longer, buying is the clear financial choice.

Why buying makes sense

Four reasons owning in the UAE can beat renting.

Reason 01

Build Equity, Not Expenses

Stop paying someone else's mortgage. When you buy, your monthly payments go toward a tangible asset. Many expats find that what they currently spend on annual rent could easily fund a mortgage, helping you build lasting financial security and ownership.

Reason 02

Benefit from Capital Appreciation

Dubai's property market offers sustained growth fueled by strong infrastructure and high demand. Buying a home, especially an off-plan property, allows you to secure a lower entry price and benefit from property value appreciation even before you move in.

Reason 03

True Stability & Creative Freedom

Say goodbye to unexpected rent hikes and sudden relocations. Owning your home gives you the long-term stability to settle into a community you love, plus the absolute creative freedom to redesign and customize your space exactly the way you want it.

Reason 04

Unlock the 10-Year Golden Visa

Property ownership is your gateway to long-term residency. Investing AED 2 million or more can qualify you and your family for the UAE's 10-year Golden Visa. Enjoy living, working, and studying in the UAE with ultimate peace of mind and lasting stability.

How does this calculator work?

Understanding the methodology behind the numbers.

What costs does buying include?
Buying costs include: down payment, DLD transfer fee (4%), mortgage registration (0.25% + AED 290), bank processing fee (1%), property valuation (AED 3,000), and ongoing mortgage payments. We subtract property appreciation to calculate your true net cost.
How is the break-even point calculated?
The break-even point is the year when cumulative buying costs (including upfront fees and mortgage payments, minus property appreciation) become lower than cumulative rental costs. Before this point, renting is cheaper. After it, buying wins.
What isn't included in this calculator?
We don't include: service charges, maintenance costs, agent commissions on sale, or the opportunity cost of the down payment invested elsewhere. For a full analysis, speak to a banqy advisor.
Why does property appreciation matter?
When you buy, your property grows in value over time. This appreciation reduces your effective cost of buying if you sell after 10 years, the gain offsets what you paid in mortgage interest and fees. Dubai's long-run average appreciation is around 4 to 6% per year.

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