Purchase price
What you pay for the property, before any fees or mortgage. The starting point of every calculation below.
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迪拜期房在宣传册上看着友好,放进表格就刺骨。200 万房产的 60/40 计划可能让您在交付时仍背着超过 100 万的现金缺口,且租金还没开始。本计算器按月模拟从交付到转售的现金头寸,让您看清最大现金敞口与真实年化回报。
预设计划
年化 IRR
10.0%
Below marketResale at month 60: د.إ2,500,000
What this means. Below institutional Dubai targets. Verify rent and exit assumptions.
累计现金头寸
Reference
Every input and output on this page, explained for any investor profile. Hover the info icons on the calculator itself to see the same content.
What you pay for the property, before any fees or mortgage. The starting point of every calculation below.
The timeline of when you owe the developer each installment. Dubai off-plan is usually a 60/40 or 40/60 split between construction and handover.
The month the developer completes the building and gives you the keys.
The month your first tenant pays rent. Usually handover plus 1-2 months for staging and leasing.
Expected rental yield once the building is complete and tenants move in.
The month you plan to sell the property, counted from today.
Total expected price gain from today to the resale date, as a percentage of purchase price.
The deepest cash hole you are in during construction, before rent or resale start generating returns. Key liquidity metric.
The deepest cash exposure as a share of the total price. Tells you how liquidity-heavy the schedule is.
How to read the result
Light5/5
Low cash tie-up during construction.
Manageable4/5
Normal 40/60 or 30/70 schedule.
Heavy3/5
Classic 60/40 schedule. Plan your liquidity.
Very heavy2/5
Most of the price paid before rent starts. Liquidity risk.
Extreme1/5
Almost fully paid pre-handover. Significant negative carry.
All the money coming back to you across the hold period: rent collected plus sale proceeds.
All the money you pay out: every installment, plus any mortgage contributions.
Total cash in minus total cash out. The final dollar-value P&L of the deal.
Your time-weighted annualised return from first payment to final sale. Accounts for when each installment hits and when rent arrives.
How to read the result
Below hurdle1/5
Below the opportunity cost of equity. Cash in hand would earn more elsewhere.
Below market2/5
Below institutional Dubai targets. Verify rent and exit assumptions.
Market3/5
Within the Dubai long-term range for leveraged private real estate.
Strong4/5
Above market. Attractive risk-adjusted return if assumptions hold.
Exceptional5/5
Top-tier. Stress-test inputs; returns this high usually mean aggressive assumptions.
Developers scored
265
Areas covered
164
Units tracked
26,817
Data points per project
150+
Day 1: First call with the buyer concierge, brief discussed. Day 4: Shortlist of 7 units delivered. Day 9: Viewings (remote, video). Day 11: Offer placed. Day 16: Offer accepted, MoU signed. Day 22: Down payment, KYC, escrow. Day 28: DLD title transfer. Day 31: Keys. I time everything. This is fast.
Off-plan in Dubai is structurally levered: you pay 10-20% on signing for exposure to the full asset price, then make milestone payments during construction. This embedded use means a 30% appreciation between signing and handover translates to a 150-200% return on your initial outlay, before transaction costs.
The risk side is delivery: the developer must actually finish the building, get DLD completion certification, and hand over the unit. The DLD escrow system protects buyer payments, but a delayed handover ties up your capital and pushes back the rental income stream. Use the off-plan calculator to model both base-case (on-time handover) and downside-case (12-month delay) scenarios before signing.
Yes. Off-plan adds developer-delivery risk, payment-plan default risk, and handover-timing risk to the standard property-cycle risk. The compensation is the embedded use from the payment plan and typically lower entry pricing.
Dubai law (DLD escrow regulations) protects the buyer's payments in escrow. If the developer fails to deliver, the buyer can claim the escrow back. In practice most delays are 4-12 months and the buyer takes the unit late rather than cancelling.
Yes, via DLD's assignment process. Most developers require 30-50% paid before assignment is permitted. Each developer NOC fee runs AED 500-5,000.
Most plans split into three phases: 10-20% on booking, 50-60% across milestone construction payments (e.g. 10% at foundations, 10% at structure, 10% at facade), and 30-40% at handover. Some developers extend payments 1-5 years post-handover, smoothing the cash burden.
Oqood is the DLD's pre-completion registration of an off-plan unit, separate from the eventual title deed. Pay AED 5,000 plus 4% of the contract price to register; this protects your ownership claim, qualifies the unit for the AED 2M Golden Visa, and is required before any future assignment sale.
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