Guides (UAE)
Updated
What is ROI on property?Gross yield, net yield, return on your cash and profit if you sell — the four numbers people call ROI, with one example.Buying a home in Dubai: every costDLD 4%, trustee, mortgage registration, NOC, DEWA — and first vs second home.Flat vs reducing rate explainedWhy 3.49% flat is really about 6.5%.UAE mortgage rulesHow much banks may lend, for how long, and what it costs on the day.Car finance in the UAEThe 20% rule, zero-down deals, 0% offers and leasing.Early settlement feesThe Central Bank caps and the fixed-rate exception.What is EIBOR?The rate most UAE mortgages follow after the fixed period — and what a change does to your instalment.How to calculate a mortgage paymentThe formula, worked through once by hand.Islamic finance: the profit rateMurabaha, ijarah and tawarruq — same maths, same Central Bank rules.Golden visa through propertyThe AED 2 million rule, and what a mortgage or an off-plan purchase changes in Dubai and Abu Dhabi.
Calculators
Home: costs of buyingOnce, on the day you buy, in any emirate: down payment, government fees, agent, bank fees — and why a second home needs more cash.Personal loan: calculatorInstalment, real cost incl. fees, Central Bank limits, exact bank schedule.Personal loan: buy-outMove your loan to another bank: is it worth it after the fees?Credit card: the minimum payment trapHow many years paying only the minimum takes, what it costs, and what a fixed amount changes.Credit card: how much limit can I get?No official cap — what the 50% rule leaves room for on your salary, loans and cards.Credit card: is the annual fee worth it?Your card's fee against the cashback and perks you really use, and the spend where it pays off.Car loan: calculator20% down, 60 months — and the real rate of your offer.Car: zero down paymentWhat a car with 'no down payment' really costs against paying 20% down.Car: 0% finance or cash discount?The interest hidden in the discount you give up for 0% car finance.Car: lease to ownThe real yearly rate behind 'no interest' — and the final payment.Home: monthly mortgage paymentEvery month for up to 25 years: your instalment, what happens when the fixed rate ends, how much the bank will lend.Buy to let: rental yield and ROIGross yield, net yield, return on your own cash and profit if you sell, in plain words, for any emirate.Home: rent or buy?Your rent against buying, with every fee and your own guesses side by side, in any emirate.Home: remortgage when the fixed rate endsStay on EIBOR, fix again with your bank or move to another bank — with every fee.Any loan: flat rate converterYour bank quotes a flat rate? Turn it into the real yearly rate.Any loan: paying off earlyHome, personal or car loan: the fee caps and how much interest you save.Any loan: how much can I borrow?Your maximum personal loan, car loan or mortgage under the Central Bank's 50% rule and loan caps.Any loan: check an offerAmount, months, instalment and fees from the offer: the real yearly rate, and what the Key Facts Statement must show.
Not a valid document. Estimate for information only — not financial advice, not an offer of credit and not a bank document. Errors are possible. Only your bank's or finance company's official offer letter, contract and statements are binding.