Sid in Dubai — Home Loan Planner

Property Price (AED)

Loan = AED —

Down Payment (%)

= AED —

Annual Interest Rate (%)

Monthly = —%

📋 Upfront Cost Breakdown (Auto-Calculated)

Total Upfront Fees (excl. down payment) —

📊 25 vs 20 vs 15 Year Comparison

⚡ Annual Prepayment at End of Every Year

Annual Prepayment (AED)

Applied at month 12, 24, 36…

📅 Year-by-Year Balance (Active Tenure)

📈 Outstanding Balance Over Time

💡 Personal Loan Bridge

If your down payment + upfront costs exceed what you can immediately arrange, bridge the gap with a short-term personal loan. See the exact loan amount, standard EMI, and how to pre-close within your target months.

Cash You Can Arrange (AED)

Minimum you have immediately

Personal Loan Rate (%/yr)

Typical UAE: 7–12% reducing

Loan Tenure (years)

Pre-close Target (months)

📅 Standard Repayment

🚀 Pre-close in 18 Months

📊 Month-by-Month (Pre-close)

📈 Loan Balance: Standard vs Pre-close

📊 Total Monthly Outflow — Mortgage + Personal Loan

This shows your real monthly cash outflow year-by-year. During the personal loan period you pay both EMIs. Once the personal loan closes, only the mortgage EMI remains.

📅 Year-by-Year Combined EMI Outflow

🗓️ Month-by-Month Combined View (First 36 Months)

📈 Monthly Outflow Over Time

⚖️ Buy vs Rent — The Real Comparison

If you rent instead of buying, your down payment (+ upfront costs) stays invested. Plus the monthly rent savings vs EMI are also invested. This calculates which builds more wealth over your loan tenure.

Current Monthly Rent (AED)

Your rent today

Investment Return (%/yr)

Return earned if the upfront buying cash is invested instead

Property Appreciation (%/yr)

Expected annual growth in the home's value

Annual Rent Increase (%)

Expected annual increase in your rent

💡

Simple comparison: Rent and invest the cash you would have used to buy, or use that cash to buy and build property equity.

🔑

Continue Renting

Keep your upfront cash invested

You continue paying rent, while the cash that would have gone toward the purchase stays invested and compounds.

Monthly Rent—

Rent Increase—

Cash Invested Upfront—

Investment Return—

Extra Invested Monthly in Year 1 (EMI − Rent)—

🏠

Buy the Property

Use your upfront cash to own the home

You use the upfront cash for the purchase and build equity as the loan reduces and the property value changes over time.

Property Price—

Upfront Cash—

Monthly Mortgage EMI—

Property Appreciation—

Mortgage Tenure—