Investment Tool
Buy-to-Let yieldcalculator Dubai
Calculate gross yield, net yield, cash-on-cash return, and stress-test your Dubai investment property against UAE bank lending criteria. Essential tool for property investors.
Buy-to-let requires minimum 25-30% down payment for UAE residents, 30-35% for non-residents.
Gross Rental Yield
6.40%
Annual rent ÷ Property value
Net Rental Yield
0.53%
After mortgage & service charges
+AED 7,942/year
Cash-on-Cash Return
1.47%
Annual return ÷ Cash invested
Cash invested: AED 540,000
Bank Stress Test
PASS
1.30x coverageUAE banks require rent to cover 120% of mortgage payment
Mortgage Details
Understanding Rental Yields
Two key metrics for evaluating Dubai investment properties:
Gross Yield
(Annual Rent ÷ Property Value) × 100. Shows headline return before costs. Dubai gross yields typically range 5-8% for apartments, 4-6% for villas.
Net Yield
(Annual Rent − All Costs) ÷ Property Value × 100. True return after mortgage, service charges, insurance, and management fees.
Cash-on-Cash Return
Annual Profit ÷ Cash Invested × 100. Shows return on your actual cash (down payment + fees), not total property value. More relevant for leveraged investments.
UAE Buy-to-Let Mortgage Rules
Minimum Down Payment — 25-35%
Higher than owner-occupied properties. 25% minimum for UAE residents, 30-35% for non-residents. Second investment properties may require 35%+.
Rental Coverage Requirement — 120%
Expected rental income must cover at least 120% of mortgage payments. Some banks require 125-130% for non-residents or luxury properties.
Interest Rates — Typically +0.5-1%
Buy-to-let mortgages usually carry 0.5-1% premium over residential rates. Current BTL rates in Dubai range 5.0-6.5%.
Maximum Age — 65-70 at maturity
Borrower age plus loan term must not exceed 65-70 years at maturity, depending on bank policy and whether salaried or self-employed.