Off-Plan vs Ready Property

How this model works

• Off-plan net return = projected property value at each horizon minus total capital deployed (down payment + instalments paid to date + service charges) plus zero rental income pre-handover.
• Ready property net return = capital gain on current value plus cumulative net rental income (gross yield minus vacancy/management costs and service charges) minus mortgage interest paid.
• Total capital deployed for off-plan assumes equal instalments on the remaining balance over the payment plan period, starting from the booking down payment.
• Mortgage payments are calculated using a standard amortisation formula on the loan amount at the stated interest rate and term.
• All figures are pre-tax. UAE applies zero capital gains tax and zero income tax on rental income for all nationalities.

This calculator is a planning tool and not financial advice. Returns are projections based on your inputs and assumed market rates — actual returns will vary. Consult a qualified financial advisor and verify developer, project and mortgage terms before committing to any investment.