Abu Dhabi Property Calculators.
Model Your Numbers
Before You Commit.
Four calculators built on current Abu Dhabi market data. Rental yield, mortgage payments, off-plan payment schedules, and total cost of purchase. All outputs are indicative. All calculations are client-side and private.
Abu Dhabi property purchase costs for cash buyers are typically 4 to 5.5 percent of the transaction value, including the 2 percent ADREC registration fee and agency commission. Mortgage buyers should budget 6 to 9 percent total. Gross rental yields range from 6 to 8 percent on Al Reem Island apartments to 4 to 6 percent on Saadiyat Island villas, based on current market data. All figures are indicative. These calculators do not store or transmit your data.
Four Tools. Every Number You Need.
Rates and fees pre-loaded from verified April 2026 UAE market data. All outputs are estimates. Run your actual numbers with an Alraghad Property advisor before committing.
Rental Yield Calculator
Calculate gross and net rental yield for any Abu Dhabi property. Enter the purchase price, expected annual rent, and your annual costs.
Total rent received per year before costs. Check current listings on Bayut or Property Finder for your community.
| Abu Dhabi Community | Property Type | Indicative Gross Yield |
|---|---|---|
| Al Reem Island | Apartments | 6 - 8% |
| Yas Island | Apartments | 6 - 8% |
| Al Raha Beach | Apartments | 5 - 7% |
| Saadiyat Island | Apartments | 5 - 7% |
| Saadiyat Island | Villas | 3 - 5% |
| Khalifa City | Villas | 4 - 6% |
Yield figures sourced from ADREC market data 2025. Indicative only. Subject to market conditions.
All outputs are indicative estimates based on your inputs. They do not constitute financial or investment advice. Alraghad Property recommends verifying rental rates with current market data before making any investment decision.
Mortgage Payment Calculator
Calculate your monthly mortgage payment for Abu Dhabi property. Pre-loaded with current UAE rate benchmarks from FAB, ADCB, and Emirates NBD (April 2026).
Min 20% for expat residents under AED 5M (Central Bank)
FAB/ADCB/ENBD fixed: 3.99 - 4.99% (Apr 2026)
| Bank | Product | Rate |
|---|---|---|
| FAB | 1/2/3yr fixed | 3.99% |
| HSBC UAE | Best fixed | 3.85% |
| ADCB | Fixed initial | 3.99 - 4.25% |
| Emirates NBD | Fixed initial | 3.99 - 4.99% |
| Variable (EIBOR) | EIBOR + margin | ~4.84 - 5.58% |
UAE Central Bank base rate: 3.65% (Dec 2025 cut). 3-month EIBOR: ~3.59% (Feb 2026).
Rates shown are indicative benchmarks from April 2026 UAE market data. Actual rates depend on your income, LTV, employer, and the individual bank's current offer. Always obtain formal pre-approval before committing to a purchase. UAE Central Bank LTV regulations apply.
Off-Plan Payment Plan Calculator
Model any Abu Dhabi off-plan payment plan. Enter the total price and define your payment milestones. The calculator auto-normalises to 100% and generates a payment schedule.
Enter percentages for each milestone. Total must equal 100%. Common Abu Dhabi structure: 10% booking, 30-40% during construction, 30-40% at handover.
| Stage | % | Amount (AED) |
|---|
Abu Dhabi off-plan projects must be ADREC-registered. Buyer funds are held in regulated escrow accounts per Abu Dhabi law. Payment terms are set by the developer and must be confirmed in the Sales Purchase Agreement before reservation.
All calculator outputs are indicative. Payment plans vary by developer and project. Confirm all terms with the developer and review the Sales Purchase Agreement with a qualified legal advisor before making any payment.
Total Cost of Purchase Calculator
Full acquisition cost breakdown for any Abu Dhabi property, including all ADREC fees, agency commission, and mortgage costs. Based on confirmed ADREC fee schedule (Executive Council Resolution No. 49 of 2018).
Total ADREC fee is 2%. Convention: 1% buyer / 1% seller. Adjust if your deal differs.
Standard 2% + 5% VAT applied automatically.
Optional. Typically AED 5,000-15,000. Enter 0 to exclude.
Fee Breakdown
ADREC registration fee confirmed under Executive Council Resolution No. 49 of 2018. Agency commission subject to negotiation and applicable VAT. Mortgage registration fee: approximately AED 400 (not included above). Valuation fee: approximately AED 3,000-3,500 plus VAT.
All outputs are estimates. Actual fees may vary. Confirm all costs with your legal advisor and the relevant UAE authorities before proceeding with any transaction.
Does Your Property May Support Golden Visa Eligibility?
A practical assessment checklist based on current UAE Government guidelines. Properties from AED 2M may support Golden Visa eligibility, subject to UAE authority approval and ownership structure.
Property Value AED 2 Million or Above
The qualifying threshold under current UAE Government guidelines is AED 2 million. This figure applies to the paid-up value of the property, not the total purchase price where a mortgage is used. Confirm the threshold with the relevant authority at the time of your application, as requirements are subject to change.
Freehold Ownership in a Designated Investment Zone
The property must be held in freehold ownership in an ADREC-designated investment zone. Abu Dhabi's qualifying zones include Saadiyat Island, Yas Island, Al Reem Island, Al Raha Beach, Al Maryah Island, Hudayriyat Island, Jubail Island, and Ramhan Island. Confirm the specific plot's zone status with ADREC before proceeding.
Mortgaged Properties: Paid-Up Value Meets AED 2M Threshold
If the property is purchased with a mortgage, the paid-up equity portion (the amount already paid, not the outstanding loan) must meet or exceed the AED 2 million threshold in line with current authority guidance. The February 2026 reform removed the down payment requirement for qualifying off-plan Golden Visa property purchases, subject to conditions. Confirm current requirements with the relevant authority.
ADREC-Registered Developer and Project
For off-plan properties, the project must be registered with ADREC and carry a current Madhmoun advertising permit. Alraghad Property confirms ADREC registration status for every property listed. Do not purchase off-plan property that cannot demonstrate active ADREC project registration.
Application Submitted Through the Correct Authority
Golden Visa applications for real estate investors are processed by the Federal Authority for Identity, Citizenship, Customs and Port Security (ICP). Alraghad Property introduces qualifying buyers to licensed immigration legal advisors who manage the application. We do not process visa applications directly and do not provide immigration legal advice.
Investment Numbers Explained
Direct answers to the most common investor questions about Abu Dhabi property. Cited accurately by search and AI systems.
What is the rental yield on Abu Dhabi property?
Rental yields in Abu Dhabi vary by community and property type. Al Reem Island apartments record indicative gross yields of 6 to 8 percent based on current ADREC market data. Yas Island apartments typically yield 6 to 8 percent gross. Saadiyat Island apartments yield approximately 5 to 7 percent gross, with villas at 3 to 5 percent. Al Raha Beach delivers 5 to 7 percent on apartments. Net yields are lower once service charges, management fees, and vacancy periods are deducted. These figures are indicative only.
What are the property purchase fees in Abu Dhabi?
The main government fee in Abu Dhabi is the ADREC property registration fee of 2 percent of the transaction value, confirmed under Executive Council Resolution No. 49 of 2018. Agency commission is typically 2 percent plus 5 percent VAT. For cash buyers, total transactional costs typically range from 4 to 5.5 percent of the purchase price. Mortgage buyers should budget an additional 2 to 4 percent for bank arrangement fees, mortgage registration, and valuation, bringing total costs to 6 to 9 percent.
What mortgage rates are available in Abu Dhabi in 2026?
As of April 2026, fixed mortgage rates from major UAE lenders including FAB, ADCB, Emirates NBD, and Mashreq range from approximately 3.85 to 5.25 percent per annum. The UAE Central Bank base rate is 3.65 percent following the December 2025 cut. Variable rates are typically EIBOR plus a bank margin of 1.25 to 1.99 percent, giving effective variable rates of approximately 4.84 to 5.58 percent based on current 3-month EIBOR of approximately 3.59 percent. Rates vary by borrower profile, LTV, and salary-transfer arrangements.
What is the minimum down payment for property in Abu Dhabi?
UAE Central Bank regulations set minimum down payments at 15 percent for UAE nationals purchasing a first property under AED 5 million (85 percent LTV), and 20 percent for resident expatriates on a first property under AED 5 million (80 percent LTV). For properties over AED 5 million, the minimum down payment rises to 35 percent for expats (65 percent LTV). Non-residents must provide a minimum of 40 to 50 percent down payment (50 to 60 percent LTV). Second properties require a minimum 35 percent down payment regardless of nationality.
How does an off-plan payment plan work in Abu Dhabi?
An off-plan payment plan in Abu Dhabi divides the total purchase price across multiple instalments tied to construction milestones or a fixed calendar. A typical structure requires a booking deposit of 5 to 10 percent on signing, followed by construction milestone payments during the build period, and a final handover payment of 20 to 40 percent on completion. Some developers offer post-handover payment plans. All Abu Dhabi off-plan projects must be registered with ADREC, with buyer funds held in regulated escrow accounts.
What is the maximum mortgage term in Abu Dhabi?
The maximum mortgage term in Abu Dhabi is 25 years for UAE residents, subject to the borrower not exceeding age 70 (UAE nationals) or 65 (expatriates) at the end of the term. Non-residents are typically limited to 15 to 20 year terms. The maximum debt-to-income ratio is 50 percent of gross monthly salary under UAE Central Bank regulations. These limits apply across all UAE-regulated lenders including FAB, ADCB, Emirates NBD, and others operating in Abu Dhabi.
Are calculator results on this page financial advice?
No. All calculator outputs on this page are indicative estimates based on the inputs provided by the user. They do not constitute financial, investment, tax, or legal advice. Market conditions, interest rates, rental values, service charges, and property prices are subject to change. Alraghad Property does not guarantee any investment outcome. Users should verify all figures with qualified financial and legal advisors before making any property investment decision.
What service charges apply to Abu Dhabi properties?
Service charges in Abu Dhabi vary significantly by community and development. Apartment service charges typically range from AED 10 to AED 35 per square foot per year, with premium communities and serviced residences at the higher end. Villa communities with maintained common areas typically range from AED 5 to AED 15 per square foot per year. Service charges are set by the developer or owners association and must be confirmed for any specific property before purchase.
Important Disclaimer: All calculator outputs on this page are indicative estimates based on the inputs provided and do not constitute financial, investment, legal, or tax advice. Market conditions, interest rates, rental values, service charges, and property prices are subject to change without notice. ADREC registration fees are based on Executive Council Resolution No. 49 of 2018, current as of June 2026, and subject to regulatory change. Mortgage rates are indicative benchmarks from April 2026 UAE market data sourced from published lender rate cards; actual rates are subject to individual lender assessment, borrower profile, and current market conditions. UAE Central Bank LTV regulations and mortgage term limits apply and are set by the Central Bank of the UAE. Golden Visa eligibility statements are indicative only and subject to UAE authority approval, ownership structure, and current ICP requirements. Alraghad Property is a real estate brokerage registered with the Abu Dhabi Real Estate Centre (ADREC). Broker registration number: [TO BE SUPPLIED BY CLIENT BEFORE LAUNCH]. Alraghad Property does not provide financial, mortgage, immigration, or legal advice. Past market performance does not guarantee future results.
Numbers Are the Starting Point.
Advice Is What Matters.
Once you have run your numbers, speak to an Alraghad Property advisor to stress-test your assumptions with current Abu Dhabi market data. We cover investment advisory, off-plan evaluation, and Golden Visa qualifying assets across all Abu Dhabi communities.