Off-Plan Cash Flow Calculator

The brochure says 10% down. The real day-one number is usually closer to 14%, because the Dubai Land Department fee is 4% of the full purchase price and it falls due at the start, not at handover.

Put your numbers in and see every payment from booking to handover, in dirhams.

The property

Purchase price (AED)

Unit type Sets the DEWA deposit

Size (sq ft)

Years from booking to handover

The payment plan

Booking %

During construction % Total by handover, booking included

At handover %

Post-handover %

Post-handover paid over how many years?

Post-handover premium on the price (%) In 2026 the typical premium is 12 to 18% over the standard price. This is what the flexibility costs you.

Fees and running costs

DLD registration (%) Of the full price, not your deposit

Fees and developer admin (AED) Includes the AED 10 knowledge and AED 10 innovation fees

EOI, if refundable leave 0 (AED)

Service charge (AED per sq ft, per year) Dubai apartments run 10 to 30. Marina averages about 16.

I am planning to use a mortgage

Loan to value (%) The UAE Central Bank caps off-plan lending at 50%. Everyone, any price, resident or not.

Cash you need on day one

AED 212,000

14.1% of the purchase price, not 10%

Booking payment-

DLD registration fee-

Fees and developer admin-

Day one total-

Through construction-

At handover-

Title deed and admin-

DEWA deposit and activation-

Service charges, first year-

Total cash out-

The true cost is the sticker price plus roughly 5%. Budget for five, not for zero.

Send me a project, I'll check the real numbers Watch the full breakdown on YouTube

Payment schedule

When	What	Amount (AED)	Running total

Figures are illustrative and based on Dubai Land Department fee schedules (Executive Council Resolution No. 30 of 2013), UAE Central Bank mortgage regulations (Circular No. 31/2013 as amended), and typical developer terms in 2026. Title deed issuance is taken at AED 250 plus admin, DEWA at AED 2,000 for an apartment or AED 4,000 for a villa plus roughly AED 150 to activate. Service charges vary building by building. Check your actual unit on the DLD Service Charge Index before you buy.

This calculator is general information, not financial, legal or tax advice. Fees and regulations change. Confirm current figures with the Dubai Land Department, your developer and your own advisers before you commit to a purchase.

NYX Home Finders Real Estate LLC · RERA #48502 · Dubai, UAE