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Loan calculator Kuwait › Rental yield and ROI calculator (Kuwait)

Estimate only — not financial advice. Only your lender's offer is binding.

Rental yield and ROI calculator (Kuwait)

Updated

Example: a KWD 180,000 flat rented at an example KWD 10,800 a year, 1 month empty, KWD 1,400 a year in estimated costs and a manager at an example 5%. Gross yield 6.00% (rent ÷ price), net yield 4.45% in year 1 (what the rent leaves you ÷ price). With an example loan of KWD 60,000 at 6% over 15 years (instalment KWD 506.314 a month) and KWD 120,900 of your own cash on the day (with the 0.5% Ministry of Justice fee), the rent leaves KWD 1,929 a year after the instalments. Rent and costs are yours to enter; whether the price rises is your guess.

This page: a home or flat you buy to rent out (long-term lease). What the rent returns on the price and on your own cash, in plain words. Most expatriates cannot buy property in Kuwait — see who may buy. For a home you live in, use rent or buy?.
0 = all cash. CBK's KWD 70,000 housing-loan limit is for a personal loan on a private home; finance for a property you buy to rent out is outside those personal-loan instructions, and we found no CBK retail rule for it — enter your offer. KWD 60,000 is only an example.
An example — use your offer's; assumed to stay the same.
An example — use your offer's.
12 × the monthly rent. KWD 10,800 is only an example — look up what similar homes rent for; there is no official rent level or yield.
Between tenants, repairs. Your estimate.
Yearly costs (your estimates)
No official number — your estimate; KWD 1,200 is only an example.
No official number — your estimate; KWD 200 is only an example.
0 if you manage it yourself; 5% is only an example.
We found no official broker rate. Enter what you are quoted; leave empty if the tenant pays the broker or there is none.

We found no official lease registration fee. Kuwait has no VAT (checked 2026-10-11). Tax on the rent is not counted — see below why.

If you keep it and sell later

We found no official broker rate. Enter what you are quoted; leave empty if you sell without a broker.

Nobody knows how rents and prices will move. A sitting tenant's rent can be revised by the rent court at most once every 5 years (at most +100% each time), so a yearly rent rise is an average over tenants and revisions. For context, the official consumer price index for housing rents moved 0.08% in the year to July 2026. Fill in up to three sets of your own guesses; the results appear side by side.

Guess 1
Guess 2
Guess 3

Fills 0%, 3% and 6% into guesses 1, 2 and 3. Round test numbers, not a forecast. Replace them with your own.

Buying costs that depend on your deal
Who pays the 0.5% registration fee?
Not stated officially — as agreed in your contract. The same split is used when you sell.
We found no official broker rate. Enter what you are quoted; empty = no broker.
Estimate — we found no official figure.
Estimate — from your offer; CBK publishes no fee table.
Gross yield6.00%rent ÷ price: the headline number, before any cost
Net yield4.45%what the rent leaves you after costs ÷ price
Return on your own cash, year 11.60%

Year 1, in dinars

Fill in at least one guess (both boxes) to see what happens if you keep it and sell, or press "Try with simple round numbers".

Cash on the day

    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.

    The four numbers, in plain words

    • Gross yield — the yearly rent divided by the price. The number agents quote. It ignores every cost.
    • Net yield — what the rent leaves you after empty months, maintenance, insurance, the manager and (in year 1) the letting broker, divided by the price. The honest version of the first number.
    • Return on your own cash — the cash the rent leaves you after the finance instalments, divided by the cash you put in on the day. With finance this can be negative: the rent does not cover the instalments, and you pay the difference every year.
    • Profit if you sell — everything the rent left you over the years, plus what the sale leaves after your share of the 0.5% registration fee, the broker and paying off the finance, minus the cash you put in. The "yearly rate your cash earned" turns that into one percentage you can compare with a savings rate — it counts when each dinar came in or went out.

    Finance for a property you rent out

    CBK's limits of KWD 70,000 over 15 years, its rate cap and its salary limit are written for personal loans — a housing loan to buy, build or repair a private home. Finance for a property bought to rent out is outside those personal-loan instructions, and we found no CBK retail rule for it. So the calculator checks no limit here: enter the amount, rate and term of your offer.

    One exception: if the finance is repaid from the salary paid into your account, it is a personal loan whatever it is called — CBK forbids lenders to give individuals a salary-repaid loan under any other name (2018 instructions, Chapter 2, First (19)), so the personal-loan limits, rate cap and salary limit then apply.

    Tax on the rent

    We found no official statement either way on tax for individuals on rental income or on the gain when they sell, so the calculator counts no tax. That is not a statement that no tax applies: check before you rely on the net figures. Kuwait has no VAT (checked 2026-10-11).

    What the rules say

    • Written lease: a lease must be in writing; a written confirmation from the owner is enough.
    • Rent rises: if landlord and tenant do not agree, either may ask the rent court to set the market rent — at most once every 5 years, and one revision may raise the rent by at most 100% (the rent can at most double). A fixed-term lease longer than that keeps its agreed rent to the end.
    • How long a home lease runs: the landlord may end it after 5 years from the contract date, with at least 3 months' notice through a court process server before the last year ends; otherwise it runs 5 more years on the same terms (a rent revision is still possible).
    • Notice to leave when none is agreed depends on the lease length: 2 months for leases longer than six months, less for short ones.
    • Eviction: for rent not paid within 20 days of the due date (travel abroad is no excuse; rent paid into the Ministry of Justice Execution Department in that time counts as paid); for the owner's own use or his close family's, who must then actually move in. On most grounds the judge may give the tenant up to 6 months to leave.
    • No subletting or passing on the lease without the landlord's explicit written permission. A tenant who stays on without right after the lease ends owes 2 times the rent for the extra time.
    • Disputes go to the rent circuit of the Court of First Instance: one judge, no lawyer's signature needed, first hearing within a week; an appeal needs a KWD 20 deposit.
    • Not found: we found no official lease registration fee, no cap on the deposit and no official rule on who pays water and electricity — check your lease.
    • Registering the sale: 0.5% of the sale price at the Ministry of Justice. Who pays it is not stated officially — choose it in the calculator. We found no official figure for registering the housing loan on the deed, for a broker or for the lender's fees: they are your estimates (a lender may charge only CBK-approved fees for a real service, but CBK publishes no fee table).
    • Taxes: Kuwait has no VAT (checked 2026-10-11). We found no official statement either way on tax for individuals on a home's sale or on rent, so the calculator counts none — check before you rely on it.

    Where to find real numbers

    There is no official rent level or yield. The Central Statistical Bureau's consumer price index has a housing-rents line — it shows how fast rents change, not what a home rents for.

    Who may buy property in Kuwait

    • Kuwaiti citizens. Decree-Law 74 of 1979 limits owning real estate in Kuwait to Kuwaitis.
    • Citizens of the other GCC states may own property and are treated like Kuwaitis (a bill approved by the National Assembly in December 2003 (the resulting law's number could not be confirmed)).
    • Other Arab nationals: one property, on conditions that start with an Amiri decree allowing it.
    • Everyone else cannot buy; a non-Arab foreigner who inherits a property must sell it within a year.

    For most expatriates in Kuwait the real choice is renting — see rent or buy? for what the rent law says. Details: who can buy property in Kuwait?

    Questions people ask

    What is a good rental yield in Kuwait?

    In Kuwait, no official body publishes rental yields or rent levels. Gross yield is only rent ÷ price; the net yield after empty months, maintenance, insurance and a manager is the number to compare.

    Do I pay tax on rental income in Kuwait?

    We found no official statement either way on tax for individuals on rental income, so this calculator counts none — check before you rely on it. Kuwait has no VAT (checked 2026-10-11).

    Can I get a housing loan for a property I rent out?

    CBK's housing loan (at most KWD 70,000 over 15 years) is a personal loan to buy, build or repair a private home. Finance for an investment property is outside those personal-loan instructions; we found no CBK retail rule for it, so use your lender's offer.

    How often can I raise the rent?

    In Kuwait, without the tenant's agreement, only through the rent court, at most once every 5 years and by at most 100% each time (Law No. 35 of 1978, Art. 11).

    What does selling cost?

    In Kuwait, registering the sale costs 0.5% of the sale price at the Ministry of Justice (who pays is not stated officially), plus any broker — we found no official broker rate.