Tilal Al Ghaf: 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 3800
Market rate
Service Charge
AED 11
Per sqft annually
DEWA (Water + Elec.)
AED 220
Monthly average
Cooling (if applicable)
AED 150
Monthly average
Eco-friendly desert master-plan by Emaar. Lowest DEWA in Dubai due to sustainable design. Premium pricing justified.
5-Year Cost Breakdown (2BR Apartment, 1,500 sqft)
Property Purchase PriceAED 5,700,000
Down Payment (20%)AED 1,140,000
Loan Amount (80% LTV)AED 4,560,000
DLD Fees (~4%)AED 228,000
5-Year Mortgage PaymentsAED 1,730,929
Service Charges (5 years)AED 82,500
DEWA + Cooling (5 years)AED 22,200
Insurance (5 years)AED 27,500
TOTAL 5-YEAR COSTAED 3,373,629
Includes down payment, DLD, mortgage interest, service charges, utilities and insurance
Annual Cost Breakdown
| Cost Category | Monthly | Annual | % of Total |
|---|---|---|---|
| Mortgage Payment | AED 28,849 | AED 346,186 | 51.3% |
| Service Charges | AED 1,375 | AED 16,500 | 2.4% |
| DEWA + Cooling | AED 370 | AED 4,440 | 0.7% |
| Insurance | AED 458 | AED 5,500 | 0.8% |
| Monthly Total (excluding one-time costs) | AED 31,052 | ||
Want a Custom Cost Analysis?
Our team can model custom scenarios with different LTV, rate and property size assumptions to match your exact needs.