Calculator
How much home can you afford?
See your monthly payment, future Purchase Option and your path to homeownership.
Country
Currency
Choose your homeHome Price
$750,000
Lease term (until mortgage)
Target Purchase Option (of property value)35%
Monthly
Payment $8,450 Includes lease payment + Purchase Option contribution
Payment $8,450 Includes lease payment + Purchase Option contribution
Security
Deposit $2,000 No broker fee
No registration Fee
Deposit $2,000 No broker fee
No registration Fee
Your Target
Purchase Option 35% $262,500 Of the property value
Purchase Option 35% $262,500 Of the property value
Estimated Property
Value After 6 Years $946,000 +$196,000 Estimated growth
Value After 6 Years $946,000 +$196,000 Estimated growth
Your Property Value Over Time
At Start (Today)
$750,000
At End of Program (6 Years)
$946,000
+$196,000
+26%
Estimated increase in property value
Your Target Purchase Option Over Time
At Start (Today)
$0
At End of Program (6 Years)
$262,500
35%
Purchase Option of property value
Your Total Benefit Over 6 Years
Your Purchase Option and property appreciation combine into meaningful equity by the end of the program.
Built Purchase Option
$150,000
Property Increase (Est.)
$196,000
Your Purchase Option plus property appreciation, before mortgage financing.
Total Benefit
$346,000
69.2%
Of property value
Your Mortgage After Program Ends
The mortgage amount is the same either way — a shorter term means a higher monthly payment, a longer term means a lower one.
Mortgage Needed
$683,500
Mortgage Rate (%)
5%
10-Year Monthly Payment
$683,500
15-Year Monthly Payment
$683,500
Detailed Breakdown
Before Move-In
DownpaymentAED 0
Broker FeeAED 0
Registration FeeAED 0
InsuranceAED 0
Security Deposit (x3 months)AED 31,000
Security Deposit
AED 31,000
Before Move-In
During Lease (Monthly)
Total Monthly Payment$8,450
Lease Charge$5,650
Purchase Option Contribution$2,800
Lease Duration72 months
Maintenance*Included
Personal ManagerIncluded
Annual Payment IncreaseNO
Monthly Payment
$8,450
All Included
Results After 6 Years
Purchase Option
You've Built $201,600
(35%)
You've Built $201,600
(35%)
Property Value
Increase +$196,000
(28%)
Increase +$196,000
(28%)
Final Property Value$946,000
Your Total Benefit
$346,000
69% of property value
At Mortgage Transition
Mortgage
Required $300,000
based on the original property price
Required $300,000
based on the original property price
Mortgage Rate (%)5%
Monthly Mortgage Payment (10 Years)$3,182
Monthly Mortgage Payment (15 Years)$2,372
Mortgage Required is based on the original property price, not the future appreciated value.
Summary
You move into your future home today with $0 down payment. Build 35% Purchase Option over 6 years while the property grows in value. Then refinance with a mortgage and become the owner.
Today
Security Deposit
$2,000
During Lease-to-Own
Total Monthly Payment
$8,450
After 6 Years
Purchase Option Balance
$201,600
Mortgage
Mortgage Required
$487,500
Ready to see if you qualify?
Take the first step toward owning your dream home.
Your agreement is registered with the Dubai Land Department (DLD) for your protection.
