HHalaNothing yet — tell Hala what you are trying to do
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Rent or buy?
The answer is a function of how long you stay — change any figure and watch the crossover move
6.5%of the price, to buy
2%of the sale price, to sell
80%the most a bank lends on a first home
25 yrsthe mortgage term it is costed over
Hala's reading
Hala is reading the figures on this page…
Compare your own
Not enteredyour rent, a year
Not enteredthe home you priced
Not yetfollows from your price and rent
Not yetcost of the first 5 years, renting
Enter the price of the home you are weighing and the rent you pay now. Nothing is compared until both are yours — the answer depends on them more than on anything else.
The home
The mortgage
What you expect the market to do
PropDirect does not forecast. Both start at 0% — type what you expect.
An estimate, not advice. Assumes a 25-year mortgage, 6.5% purchase costs (transfer, agent, registration) and 2% to sell. It does not model the return you would earn investing the deposit instead, or maintenance beyond the service charge — real factors, so treat the break-even as a guide. Change any figure to match your situation.
What the answer rests on
Buying costs 6.5% of the price to make: 4% transfer fee, 2% agency, 0.5% registration and adminDocumented rate
Selling costs 2% in agencyDocumented rate
The rate starts at 4.79% over 25 yearsIndicative · a bank sets yours
The price, the rent, the service charge and how long you stayWaiting for your figures
How prices and rents move — 0% until you set themYours · we do not forecast
What the deposit would earn if invested instead, and maintenance beyond the service chargeNot counted
An estimate, not advice
A longer stay, a bigger deposit, or a lower rate. Change any figure above and the crossover year moves with it. Purchase costs assume Dubai: a 4% transfer fee, plus agency and mortgage admin — another emirate charges differently.
What the specialists did on this page
1 ran · 0 stopped to ask · 2 did not run · each row opens its sources
SpecialistReadDecidedWhen
Buyer-Specific Deal Intelligencebuyer.dealThe documented purchase costsCosted buying at 6.5% and selling at 2% — the rates every deal on PropDirect is costed with—
Answers "is this a good deal for me?" against this buyer's stated limits and registered sales - a buyer-private assessment, never the universal deal score.
Dubai Land Department transfer fee, statutory (src/lib/uae-yield.ts)
buyer's agency commission where an agent is used, Dubai norm (src/lib/uae-yield.ts)
registration, trustee and admin (src/lib/uae-yield.ts)
Future / Scenario Intelligencebuyer.futureOne home's buy, rent and wait ledgerDid not run here: its ledger is for a particular home, on that home's page. This page compares the figures you type—
Answers "what happens if I buy this?" with a deterministic ledger - buy, rent, wait, another home, invest, do nothing - every assumption classified and shown.
Affordability Intelligencebuyer.affordabilityYour income and cashDid not run here: what you can borrow is worked out on the mortgage page—
What the buyer can afford from their own stated cash and finance under the CBUAE caps - a deterministic ceiling that says which figure bound it.