Compare full financial cost stacks — financing, DLD fees, service charges, fit-out, rent overlap &
potential capital appreciation for Dubai properties.
Unit & Pricing
Payment Plan
Plan percentages must add to 100%.
Extras (usually developer-covered)
DLD transfer fee is often waived or absorbed by
the developer as an off-plan incentive — set to 0 if applicable.
Growth
Mortgage Financing
Ownership Costs
Growth
Mature area growth usually tracks standard
market appreciation.
Rent While Waiting
Opportunity Cost
Off-Plan Option
Full price, paid by handover—
Negotiated discount off
asking—
— of which, due today (booking)—
Rent paid meanwhile—
DLD transfer fee—
Fit-out—
Commission—
Opportunity earnings on cash—
Value gained by
handover—
Net effective cost—
Ready-to-Move Option
Full price, financed via mortgage—
Negotiated discount off
asking—
— of which, due today (down payment)—
Mortgage fees—
Mortgage interest paid—
DLD transfer fee—
Service charges—
Fit-out—
Commission—
Value gained by
handover—
Net effective cost—
Enter property detailsPlease enter unit size
(sq ft) and rate (AED / sq ft) to view cost comparison.
Cash Outflow Schedule
Cumulative AED paid toward unit purchase over construction timeline (excludes rent &
service charges).
Ready-to-moveOff-plan (payment plan)
How to read this comparison: Both columns now assume the unit is fully paid for by month 36 — off-plan
via the developer's payment plan, ready-to-move via down payment plus mortgage principal and interest — so the
two "Net effective cost" figures are on the same basis: full ownership, not partial cash spent. The AED
300,000 rent saving only happens if buying ready-to-move actually stops the rent immediately; off-plan carries
it as a real cost until handover. Against that, financing the ready-to-move purchase brings interest and fees
the debt-free-at-handover off-plan path doesn't, and ready-to-move alone carries service charges from day one
since he's occupying and the building is registered. Fit-out and commission are shown on both sides — zero
them out wherever the developer or the deal structure already covers them.
