Property Valuation Calculator | Smart Indexes

Property Valuation Calculator

Property Valuation Calculator

AED
The nominal yearly cost of borrowing used to build the amortization schedule. Typical UAE mortgage rates vary by bank and profile; try 3–8% for scenarios.
0%12%
Choose the current or a following month. Prior months are disabled because the schedule can’t start in the past.
Contract (or expected) price of the property. Tool range: ~200k–200M AED for scenarios. Actual market ranges vary by asset type and location.
——
Gross rent minus operating expenses (management, service charges, maintenance, insurance, utilities where applicable), before debt service and taxes.
0—
Your equity at closing. It reduces the loan amount and is used as the denominator for cash-on-cash ROI.
20%
0 AED—
Estimated principal that the lender provides at closing (before interest). Can be set directly or derived from purchase price minus down payment.
80%
0 AED—
Amortization term in years. Typical UAE ranges ~5–25 years; shorter terms mean higher monthly payments but faster principal reduction.
5 years25 years
NOI ÷ Price. If entered, we show the price implied by NOI/Cap. Typical stabilized cap rates vary by asset/location and can range ~4–10%+.
0%20%
Fees Optional
Legal support and ownership transfer preparation by the conveyancer/lawyer.
Realtor’s fee for sourcing and closing support.
Government transfer fee (commonly ~4% of purchase price). Confirm the current schedule with DLD/broker.
DLD fee to register the mortgage (often ~0.25% of loan + AED 290).
One-time bank processing fee at loan origination.
Trustee office fee for issuing a new Title Deed.
Independent appraisal ordered by the bank to confirm collateral value.
Please verify current figures with your bank/realtor.

Calculation

Cap Rate AED
Capitalization rate = NOI ÷ Price. Shows the unlevered yield based on current NOI and price.
—
ROI
Cash-on-cash ROI = Annual pre-tax cash flow ÷ Initial cash invested (down payment + fees).
—
DSCR
Debt Service Coverage Ratio. Here shown as NOI ÷ Annual debt service (in %). 100% = breakeven.
—

Property Valuation Calculator for Dubai Residential Property

This page features the Property Valuation Calculator — an analytical tool for loan sizing, Cap Rate and DSCR checks, cash-on-cash ROI, and payment schedules.

  • A completely free calculator to estimate mortgage amounts, interest costs, and repayment terms.
  • All Smart Indexes financial calculators are free to use.
  • Estimate payments and loan terms for residential property in Dubai, UAE — including Cap Rate, DSCR, and cash-on-cash ROI.
  • For business document management, you can print out the real estate valuation calculation in PDF format.
  • If you notice an error, please contact the Smart Indexes Support Team via email.

FAQ

What does Freehold status mean for a Dubai real estate investor?
What are EJARI and Title Deed?
How to estimate the average property price by area?
How to determine the reliability of a developer or brokerage company?
What risks should be considered in real estate transactions?
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