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CALCULATIONS

OFF-PLAN PROJECT CALCULATIONS & INVESTMENT ADVANTAGES

Example

ANNUALCAPITAL APPREACIATION

  • Off-plan properties in Dubai typically yield a minimum of 10% capital appreciation per year.

  • In 2024, certain projects achieved appreciation levels as high as 30–40%, depending on location and developer.

FLL UPFRONT PAYMENT DISCOUNTS

  • Developers often offer significant discounts (between 15% and 40%) for buyers opting to pay the full amount upfront.

  • In some cases, even higher discounts may be negotiated depending on the project and developer partnerships.

0% INTEREST PAYMENT PLANS

  • Flexible, interest-free installment plans are available, enabling investors to benefit from affordable and cost-efficient payment structures over the construction period.

MORTGAGE FINANCING

Many Dubai banks — such as Emirates NBD, Mashreq Bank, ADCB — offer mortgage options for off-plan projects with attractive terms.

KEY HIGHLIGHTS:

  • Loan-to-Value (LTV): Up to 75% financing available

  • Down Payment: Typically 20–30%, sometimes lower when arranged through developer-partner banks

  • Required documents:

    • Proof of income (local or international)

    • Wealth statement (for international buyers)

    • Developer approval of financing structure

OFF-PLAN INVESTMENT CALCULATIONS

Example

Investment of AED 20 million (approx. €4,794,000) in an off-plan project with a 25% discount and full payment made upfront, over a 3-year period, with an annual capital appreciation of 10%.

1. INITIAL INVESTMENT BENEFITS

  • Property value without discount: AED 20,000,000 (€4,794,000)

  • Discount (25%): AED 5,000,000 (€1,198,512)

  • Total payment after discount: AED 15,000,000 (€3,596,000)

2. CAPITAL APPRECIATION OVER 3 YEARS

  • Year 1: AED 15,000,000 × 1.10 = AED 16,500,000 (€3,955,090)

  • Year 2: AED 16,500,000 × 1.10 = AED 18,150,000 (€4,350,599)

  • Year 3: AED 18,150,000 ×  1.10 = AED 19,965,000 (€4,781,000)

  • Total value: AED 19,965,000 (€4,785,659)

3. PROFIT CALCULATION

  • Final property value: AED 19,965,000 (€4,785,659)

  • Initial payment:          AED 15,000,000 (€3,955,090)

  • Total profit:                AED 4,965,000 (€1,190,122)

This example is for informational purposes only. Actual profits may be higher!


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