Arabian Ranches: 5-Year Cost of Ownership
Complete cost breakdown for a typical 2-bedroom apartment with 80% LTV mortgage at 4.5% fixed rate.
Community Overview
Avg Price/Sqft
AED 3200
Market rate
Service Charge
AED 8
Per sqft annually
DEWA (Water + Elec.)
AED 250
Monthly average
Cooling (if applicable)
AED 180
Monthly average
Master-planned villa community. Lower DEWA due to villa design. Family-focused; excellent for long-term investment.
5-Year Cost Breakdown (2BR Apartment, 1,500 sqft)
Property Purchase PriceAED 4,800,000
Down Payment (20%)AED 960,000
Loan Amount (80% LTV)AED 3,840,000
DLD Fees (~4%)AED 192,000
5-Year Mortgage PaymentsAED 1,457,624
Service Charges (5 years)AED 60,000
DEWA + Cooling (5 years)AED 25,800
Insurance (5 years)AED 21,000
TOTAL 5-YEAR COSTAED 2,836,424
Includes down payment, DLD, mortgage interest, service charges, utilities and insurance
Annual Cost Breakdown
| Cost Category | Monthly | Annual | % of Total |
|---|---|---|---|
| Mortgage Payment | AED 24,294 | AED 291,525 | 51.4% |
| Service Charges | AED 1,000 | AED 12,000 | 2.1% |
| DEWA + Cooling | AED 430 | AED 5,160 | 0.9% |
| Insurance | AED 350 | AED 4,200 | 0.7% |
| Monthly Total (excluding one-time costs) | AED 26,074 | ||
Want a Custom Cost Analysis?
Our team can model custom scenarios with different LTV, rate and property size assumptions to match your exact needs.