ROI & Yield Calculator
Calculate the return on a Dubai property investment and its rental yield from a few inputs.
Free tool
Dubai Mortgage & ROI Calculator
Free Dubai mortgage and rental ROI calculator: loan limit, monthly installment, one-time costs, long- vs short-term rental cash flow, break-even, NPV and IRR.
Mortgage & ROI Calculator
Disclaimer: All data and calculations are for informational purposes only. Additional costs may arise that are not listed here. This calculator does not constitute any specific offer or financial advice. Always consult a qualified professional before making investment decisions.
Scenarios
Property Data
Basic Data
Ownership Structure
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Guide
What is the Dubai mortgage and ROI calculator for?
The calculator models a complete financing plan: from the price, down payment, interest rate and term it works out the monthly instalment, the one-time purchase costs and the capital you need. You can add several owners and several scenarios and compare them side by side.
On the rental side you can model long-term (annual) and short-term (nightly, seasonal) letting. The analysis shows the cash flow, the return, the net present value (NPV) and the internal rate of return (IRR), and you can see the results in forints, euros or dollars as well as AED.
Exchange rates are fixed, indicative values. Bank lending criteria differ from person to person, so the result is not a loan offer but a model to prepare your decision.
FAQ
Frequently asked questions about Dubai mortgages
How large a monthly instalment does my income allow?
As a guideline the calculator treats at most 50% of the monthly income as the instalment limit and estimates the loan amount from it. The loan term is also limited by age. The actual loan amount is always set by the bank based on its own assessment.
What is the difference between short-term and long-term letting?
Long-term letting means an annual tenancy contract with predictable income. With short-term (holiday) letting the nightly rate and occupancy change by season: income can be higher, but so are the costs and the management work. You can model and compare both in the calculator.
What do NPV and IRR show?
NPV (net present value) shows how much the future cash flows, in today's money, exceed the capital invested. IRR (internal rate of return) is the annual return at which the investment's net present value is zero. Both help compare different investments on the same basis.
In which currency can I see the results?
The default currency is AED, but you can also show the results in Hungarian forints, euros, US dollars, British pounds and Swedish kronor. The exchange rates are fixed, indicative values; the AED is officially pegged to the US dollar (1 USD = 3.6725 AED).
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An investment decision needs more than one calculation: costs, payment schedule, yield and visa eligibility.
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