Final financial comparison Projection
20-year vs 25-year mortgage
Stress tests Projection
Resale outcomes by holding period Projection
What you'd get if you sold after each holding period, under each price scenario. The scenarios are hypothetical constant rates; hover a scenario to see the historical period it's based on.
Sale price vs break-even, by holding period
Each coloured line is the sale price under one scenario. The black dashed line is the price you need to get back the cash you put into the property (deposit, fees and principal repaid). The orange dashed line is the price at which buying leaves you with as much as continuing to rent.
Dubai market history Historical
Major downturns
How often did a hold end below the purchase price?
Communities
Observed median resale AED/sq ft from the DLD register (a community needs at least 20 resales in a year to be listed). Only three snapshots are published, and medians move when the mix of buildings sold changes, so treat these as indicative. Individual buildings can differ materially from their area's median.
Compare properties
Save the current inputs as a property, change the inputs for the next one, and compare them side by side. Each property keeps its own inputs, including its comparable rent. Wealth rows show net wealth from buying minus continuing to rent.
What the buyer has at the end
Separates property equity, principal repaid and cash. Getting money back from a sale is not profit: the comparison with renting is what tells you whether buying paid off.
Buying: total cash paid vs economic cost
Net wealth over time Projection
Buyer: net sale proceeds plus cash, if you sold at the end of each year. Renter: cash.
Cumulative housing cash outflow
Buyer: upfront cash, mortgage payments and running costs. Renter: rent and renter costs. DEWA and internet excluded.
Annual housing cash-flow difference
Cost of owning minus cost of renting in each year. Above zero, owning costs more and the renter keeps the difference as cash; below zero, the buyer does.
Mortgage & equity
Outstanding loan, principal repaid, and equity (property value minus loan)
Property appreciation sensitivity
Sensitivity: who ends up ahead? Projection
Upfront cash to buy
Monthly cost of owning (year 1)
Selling costs at end of period
Year-by-year simulation
Values at the end of each year, from the same month-by-month simulation as everything above.