Investment & ROI · 8 min · 2026-04-20
UAE Real Estate Simulator: How to Model a Dubai, Abu Dhabi or RAK Property in 2026
What a UAE real estate simulator should model, the official rules behind each input, and how to run a full simulation in a few minutes.
Why Model the Whole UAE, Not Only Dubai
Investors comparing the UAE often look at several emirates at once: Dubai for its depth of choice, Abu Dhabi for its master-planned islands, Ras Al Khaimah for its waterfront projects. A UAE real estate simulator lets you run the same calculation for each, with the inputs that differ from one emirate to the next.
What OffPlanSimulator Models
| Input or output | Included |
|---|---|
| Dubai areas and property types | ✅ |
| Abu Dhabi and Ras Al Khaimah projects | ✅ |
| Off-plan payment plans (60/40, 50/50, post-handover, monthly) | ✅ |
| Mortgage monthly payment at the rate you enter | ✅ |
| Buying costs and DLD fees | ✅ |
| Golden Visa property threshold check | ✅ |
| 10-year projection with three scenarios | ✅ |
| Multi-currency view (AED, USD, EUR, GBP) | ✅ |
| Free PDF report | ✅ |
The 4 Building Blocks of a Reliable Simulation
- Emirate-specific market inputs: each area has its own price per square foot, rents and service charges. Enter the figures of the unit you are looking at, or start from the defaults and adjust.
- Emirate-level fees: each emirate has its own land department and fee schedule. In Dubai, the DLD lists a 4% sale registration fee; the DLD fees calculator itemises it.
- UAE-wide mortgage rules: the Central Bank of the UAE regulation sets the loan-to-value and debt burden limits; each lender then applies its own policy. Model the loan in the UAE mortgage calculator.
- Residency options: check the current property thresholds for UAE residence visas with the official authorities, then use the ROI calculator to see the investment that reaches them.
How to Run a Simulation in a Few Minutes
- Pick an emirate and area
- Choose the property type and size
- Select a payment plan (60/40, post-handover, 1% monthly...)
- Enter the handover year
- Read the results: ROI, cash flow, mortgage, buying costs and a 10-year projection, with a free PDF report
Run your UAE real estate simulation now
Read the Results the Right Way
A simulation is a planning tool, not a promise. Keep the three scenarios side by side, change one input at a time (price, rent, service charge, rate) and see which one moves your return the most. That is where to focus your questions before you buy.
Built by Cevitas Real Estate LLC
OffPlanSimulator is operated by Cevitas Real Estate LLC, a RERA-licensed Dubai brokerage. Calculator rules come from official sources (DLD, Central Bank of the UAE) and every rate is the one you enter.
Read Next
- Dubai Off-Plan ROI Calculator Guide
- Dubai Areas for Off-Plan 2026: How to Compare
- Dubai Mortgage for Non-Residents
- How to Choose a Dubai Developer
Reviewed by Ahmed Benjas, co-founder & CEO of Cevitas Real Estate
Moroccan real estate expert based in Dubai, co-founder & CEO of Cevitas Real Estate, a RERA-licensed brokerage (NGI House, Deira), with an AED 200M+ track record. He works in French, Arabic, Darija and English.
Who is Ahmed Benjas? · Moroccan real estate broker in Dubai · His guides on cevitas.ae
Related guides
Calculators for this guide: Dubai property ROI calculator · Off-plan calculator Dubai