For investors · calculator
Dubai real estate ROI: an honest calculation, all costs included
The calculator accounts for the DLD fee, agent commission, service charge, vacancy, mortgage and sale of the property. Adjust the parameters — the result updates instantly.
4%DLD fee on purchase
0%personal income tax in the UAE
~5–6%mortgage rate for non-residents
—net rental yield
—gross yield
—your cash in the deal, AED
—annual cash flow after mortgage, AED
—total ROI on your cash over the period
—average per year
—net profit over the period, AED
—profit in roubles at RUB 22.7 per AED
This material is for information only and does not constitute individual investment, tax or legal advice. Market data as of October 2026; check current terms before any transaction.
What the calculation includes
- DLD fee of 4% of the price and administrative costs of about AED 4,000 on purchase.
- Agent commission of 2% on purchase and on sale.
- Service charge — annual payments to the management company for building maintenance.
- Vacancy between tenants — via the occupancy rate.
- Mortgage: annuity payment over 25 years, outstanding balance repaid on sale. For non-residents, the down payment is usually from 40% for ready property and from 50% for off-plan.
What is not included
- Furniture and renovation costs before letting.
- Management company fees for short-term rentals (usually 15–25% of income).
- Taxes in your country of tax residence — see “Taxes and residency” for details.
- Rouble exchange rate fluctuations: the dirham is pegged to the US dollar.
We’ll find a property for your goal
Mikhail Oskar and the sales team will select properties to match your budget and strategy: rental income, resale during construction, or residency.