Dubai Mortgage and Rental Yield Calculator
Plus rent vs buy and DLD fees, in one free tool.
Property and loan
Rent and running costs
- Gross rental yield0%
- Net rent per year0
- Monthly cash flow after mortgage0
- Cash on cash return0%
- Net cost of renting0
- Net cost of buying0
- Difference in favour of-
- Loan amount0
- Down payment0
- DLD fee (4%)0
- Agency fee (+5% VAT)0
- Mortgage registration and valuation0
- Cash needed upfront0
- Total interest over the loan0
Estimates only. Down payment minimums shown are typical and rise for properties above AED 5M, second homes and off-plan. Banks set their own rates and fees, so confirm with your lender. Not financial advice.
What is a good ROI on Dubai property?
This free Dubai mortgage calculator shows your monthly payment, upfront cash and the true cost of buying, including the 4% DLD fee, agency fee and mortgage registration. Use the rental yield and rent vs buy tabs to check the ROI on a Dubai property before you shortlist homes on Bayut, Property Finder or Dubizzle. It works as a UAE mortgage calculator for nationals, residents and non-residents.
Common in prime areas like Downtown and Palm Jumeirah, where buyers count on price growth more than rent.
A typical gross range across Dubai, and the one most investors treat as healthy.
Seen in affordable communities such as JVC and Dubai South, often with more new supply and slower resales.
Always compare net yield, not the headline gross number. Service charges, management fees, empty weeks and one-off buying costs of around 6% to 7% can take a point or more off what an agent quotes. Run your own numbers in the calculator.
Areas with high returns
Approximate gross yields from 2026 market reports. They change often, so check current rents before you buy.
Affordable entry prices and deep resale demand.
Dubai SouthAbout 7% to 9% grossLow prices near the airport and Expo City, newer supply.
Business BayAbout 6.5% to 8% grossA balance of yield and growth close to Downtown.
Dubai MarinaAbout 5.5% to 7.5% grossEstablished waterfront with easy resales.
Downtown and Palm JumeirahAbout 4% to 6% grossPrime addresses bought mostly for price growth.
A higher yield often comes with more supply nearby, so look at how easily you can resell as well.
The off-plan potential
Off-plan means buying a project before it is finished, usually with a payment plan spread across the build period.
- Entry prices are often lower than for ready homes in the same area.
- Instalment plans spread the cost, and prices may rise by handover.
- You earn no rent until completion, and delays can happen.
- Lenders cap mortgages on off-plan homes at 50% of the value, so plan for more cash.
Check the developer's track record and confirm that your payments go into a regulated escrow account.
Off-plan property guides
View all off-plan articlesUseful guides
View all articlesFrequently asked questions
What is a good rental yield in Dubai?
Many investors aim for a gross yield of about 5% to 7%, though it changes by area and property type. Net yield is the number to watch because service charges, management fees and empty weeks reduce what you actually keep.
Which areas have the highest rental yield in Dubai?
2026 market reports most often point to Jumeirah Village Circle, Dubai South and Business Bay, with gross yields roughly in the 7% to 9% range for the first two. Prime areas such as Downtown and Palm Jumeirah usually yield less but are bought for price growth. Figures move quickly, so check current rents.
How much down payment do I need for a mortgage in Dubai?
UAE nationals can typically put down 15% on a home up to AED 5 million, and resident expats usually need at least 20%. Non-residents are asked for a larger deposit, and off-plan purchases are capped at 50% loan to value. Banks can ask for more, so confirm with your lender.
What fees do I pay when buying property in Dubai?
Plan for the 4% DLD transfer fee, an agency fee of about 2% plus 5% VAT, a mortgage registration fee of 0.25% of the loan plus AED 290, and a bank valuation of roughly AED 2,500 to 3,500. Together that is usually around 6% to 7% of the price on top of your down payment.
Is off-plan a good investment in Dubai?
It can be, especially for buyers who like lower entry prices and instalment plans, but you earn no rent until handover and delays can happen. Check the developer's record, read the payment plan carefully and confirm your payments go into a regulated escrow account.
What is the longest mortgage term in the UAE?
Most banks lend for up to 25 years, depending on your age when the loan would end.
Is rental income taxed in Dubai?
The UAE does not charge personal income tax on an individual's rental income. Check the tax rules in your home country as well, since they may still apply to you.
Is it better to rent or buy in Dubai?
It depends mostly on how long you plan to stay. Use the rent vs buy tab to see the year when buying starts to cost less than renting after fees, interest and resale costs. Short stays usually favour renting.