Dubai Hills Estate: 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 4200
Market rate
Service Charge
AED 13
Per sqft annually
DEWA (Water + Elec.)
AED 290
Monthly average
Cooling (if applicable)
AED 200
Monthly average
Luxury villa gated community with championship golf course. Stable appreciation and strong resale market.
5-Year Cost Breakdown (2BR Apartment, 1,500 sqft)
Property Purchase PriceAED 6,300,000
Down Payment (20%)AED 1,260,000
Loan Amount (80% LTV)AED 5,040,000
DLD Fees (~4%)AED 252,000
5-Year Mortgage PaymentsAED 1,913,132
Service Charges (5 years)AED 97,500
DEWA + Cooling (5 years)AED 29,400
Insurance (5 years)AED 30,000
TOTAL 5-YEAR COSTAED 3,739,532
Includes down payment, DLD, mortgage interest, service charges, utilities and insurance
Annual Cost Breakdown
| Cost Category | Monthly | Annual | % of Total |
|---|---|---|---|
| Mortgage Payment | AED 31,886 | AED 382,626 | 51.2% |
| Service Charges | AED 1,625 | AED 19,500 | 2.6% |
| DEWA + Cooling | AED 490 | AED 5,880 | 0.8% |
| Insurance | AED 500 | AED 6,000 | 0.8% |
| Monthly Total (excluding one-time costs) | AED 34,501 | ||
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