Compare Dubai investment payment plans
Every plan on the same 72 month timeline, every metric on a present value basis. Slide mortgage from 0 to 100% to set the secondary LTV; the seven off plan splits are computed for you. Output is one comparison table plus a free PDF report with your name on it.
This is one point on the spectrum. Adjusting it updates the secondary mortgage row in the table. The seven off plan rows below are computed automatically.
Defaults reflect typical Dubai assumptions. Adjust if your deal is different.
Comparison table (all on a present value basis)
| Plan | NPV | NFV | PV Out | PV In | Disc ROI | Disc ROE | PI | IRR |
|---|---|---|---|---|---|---|---|---|
Secondary, cash full cash | Dh188K | Dh266K | Dh1.06M | Dh1.25M | 17.7% | 17.7% | 1.18x | 9.4% |
Secondary, 80% mortgage 80% LTV · Dh4,223/mo | Dh257K | Dh364K | Dh516K | Dh773K | 49.8% | 98.8% | 1.50x | 19.7% |
Off-plan 20/80 20/80 split | Dh180K | Dh256K | Dh903K | Dh1.08M | 20.0% | 230.0% | 1.20x | 11.9% |
Off-plan 30/70 30/70 split | Dh171K | Dh243K | Dh912K | Dh1.08M | 18.8% | 180.0% | 1.19x | 11.3% |
Off-plan 40/60 40/60 split | Dh162K | Dh230K | Dh921K | Dh1.08M | 17.6% | 145.0% | 1.18x | 10.7% |
Off-plan 50/50 50/50 split | Dh153K | Dh217K | Dh930K | Dh1.08M | 16.4% | 119.0% | 1.16x | 10.2% |
Off-plan 60/40 60/40 split | Dh144K | Dh204K | Dh939K | Dh1.08M | 15.3% | 99.1% | 1.15x | 9.8% |
Off-plan 70/30 70/30 split | Dh135K | Dh191K | Dh949K | Dh1.08M | 14.2% | 83.2% | 1.14x | 9.4% |
Off-plan 80/20 80/20 split | Dh125K | Dh178K | Dh958K | Dh1.08M | 13.1% | 70.3% | 1.13x | 9.0% |
Best by NPV · Secondary, 80% mortgage
9 plans · 72 month horizon
What this means for the investor
Under the current assumptions, “Secondary, 80% mortgage” gives the highest NPV at Dh257K. It creates the most present value over the same 72 month horizon.
Discounted return on equity for “Off-plan 20/80” is 230.0%. Leverage lifts the percentage return on the cash you actually tie up, which matters if you want to keep capital free for the next deal.
Caveat: this model excludes exit costs, rental voids, service charge inflation, developer delay penalties, and currency risk. Treat the output as the data led starting point for the conversation, not the conclusion.
This is a starting point, not the whole decision.
This table compares payment structures on a time value basis. A real purchase in Dubai also turns on the area, the developer, the floor and stack, the gap between asking and signed rent, the area pipeline of future handovers, the developer delay record, and the fine print in the SPA. I sit next to those numbers with you and add the layers, with the same data first lens that built this tool.