Decision tools

Buy versus rent

Compare the broad cost of a mortgage-backed purchase with renting over the period that matters to you.

Your assumptions

Illustrative result

Buying versus renting over 5 years

AED 290,661 difference
Net buying costAED 346,436
Estimated rent paidAED 637,096
Estimated equityAED 1,141,027
Estimated sale proceedsAED 1,083,063

This calculator is for guidance only. It excludes lender fees, taxes, maintenance surprises, financing changes and other transaction-specific factors. Speak with a qualified Main Gate advisor before making a financial decision.

Discuss your numbers
How this calculation works

Mortgage payments are projected using the same repayment formula as the mortgage calculator. The model estimates the remaining loan balance after your selected horizon.

Net cost to buy = deposit + purchase costs + mortgage payments (up to the loan term) + ownership costs − estimated sale proceeds after the remaining loan and selling costs.

Rent cost compounds your annual rent by the rent-growth assumption. The difference compares these two illustrative net costs and excludes tax, maintenance surprises and opportunity cost.