Dubai Real Estate · DLD / RERA Intelligence · Feb 2026
Smart Rent vs Buy
Calculator
Full financial modelling — total rent expenditure, equity accumulation, property appreciation, and a definitive verdict powered by Feb 2026 Dubai market data.
4% DLD Transfer Fee
8–14% Price Growth 2022–25
5–8% Gross Rental Yield
4.3–4.8% Avg Mortgage Rate
Property Details
Dubai Community / Area
Property Type
Purchase Price (AED)
AED
Current DLD transaction / agreed price
Annual Rent – Equivalent Unit (AED)
AED
Current market rent for comparable property
Down Payment
%
Min 20% expats · 15% UAE nationals (CBUAE)
Mortgage Rate (% p.a.)
%
ENBD / ADCB / FAB avg: 4.3–4.8% (Feb 2026)
Mortgage Term
yrs
Analysis Period
Years to compare
10 Years
1 yr5 yrs10 yrs
Market Assumptions
Annual Rent Increase
%
RERA 2025 cap: up to 20% if 40% below market
Annual Property Appreciation
%
Dubai avg 2022–2025: 8–14% · Moderate: 5–7%
Annual Service Charge / Maintenance (AED)
AED
RERA avg AED 12–28 per sqft per year
Opportunity Cost (Alt. Invest Rate)
%
Return if down payment invested elsewhere
🏡
RECOMMENDATION
Better to BUY
–
–
Buy Score / 100
💸
Total Rent Paid
–
Over analysis period
🏛
Equity Gained (Buying)
–
Property value minus outstanding loan
📈
Property Appreciation
–
Capital gain on property value
⚖️
Net Buy Advantage
–
vs cumulative renting cost
⏳
Break-Even Year
–
Buying beats renting from this year
💰
Gross Rental Yield
–
Annual rent ÷ purchase price
Year-by-Year Projection
| Year | Cum. Rent Paid | Property Value | Equity Built | Total Buy Cost | Rent Advantage | Buy Advantage |
|---|
⚙️
Calculation Assumptions — Feb 2026 (DLD · RERA · CBUAE · Bayut · Knight Frank · CBRE)
–
Market data from Dubai Land Department · RERA · CBUAE · Bayut · Property Monitor · Knight Frank · CBRE — effective February 2026.
Appreciation indices based on 2022–2025 DLD transactional data. Mortgage rates reflect Feb 2026 published bank offers.
Indicative projections only — not financial or legal advice. Consult a licensed UAE property consultant.
© 2026 Dubai Smart Rent vs Buy Calculator