Jumeirah Beach Residence (JBR): 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 4900
Market rate
Service Charge
AED 15
Per sqft annually
DEWA (Water + Elec.)
AED 420
Monthly average
Cooling (if applicable)
AED 320
Monthly average
Iconic beachfront 40-tower community. Tourist appeal with high rental yields (4-6%). Service charges rising year-over-year.
5-Year Cost Breakdown (2BR Apartment, 1,500 sqft)
Property Purchase PriceAED 7,350,000
Down Payment (20%)AED 1,470,000
Loan Amount (80% LTV)AED 5,880,000
DLD Fees (~4%)AED 294,000
5-Year Mortgage PaymentsAED 2,231,987
Service Charges (5 years)AED 112,500
DEWA + Cooling (5 years)AED 44,400
Insurance (5 years)AED 37,500
TOTAL 5-YEAR COSTAED 4,374,137
Includes down payment, DLD, mortgage interest, service charges, utilities and insurance
Annual Cost Breakdown
| Cost Category | Monthly | Annual | % of Total |
|---|---|---|---|
| Mortgage Payment | AED 37,200 | AED 446,397 | 51.0% |
| Service Charges | AED 1,875 | AED 22,500 | 2.6% |
| DEWA + Cooling | AED 740 | AED 8,880 | 1.0% |
| Insurance | AED 625 | AED 7,500 | 0.9% |
| Monthly Total (excluding one-time costs) | AED 40,440 | ||
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