Emirates Hills: 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 5800
Market rate
Service Charge
AED 18
Per sqft annually
DEWA (Water + Elec.)
AED 270
Monthly average
Cooling (if applicable)
AED 180
Monthly average
Ultra-luxury hillside villas with unmatched privacy. Lowest DEWA in Dubai; excellent for end-users and Golden Visa.
5-Year Cost Breakdown (2BR Apartment, 1,500 sqft)
Property Purchase PriceAED 8,700,000
Down Payment (20%)AED 1,740,000
Loan Amount (80% LTV)AED 6,960,000
DLD Fees (~4%)AED 348,000
5-Year Mortgage PaymentsAED 2,641,944
Service Charges (5 years)AED 135,000
DEWA + Cooling (5 years)AED 27,000
Insurance (5 years)AED 47,500
TOTAL 5-YEAR COSTAED 5,156,944
Includes down payment, DLD, mortgage interest, service charges, utilities and insurance
Annual Cost Breakdown
| Cost Category | Monthly | Annual | % of Total |
|---|---|---|---|
| Mortgage Payment | AED 44,032 | AED 528,389 | 51.2% |
| Service Charges | AED 2,250 | AED 27,000 | 2.6% |
| DEWA + Cooling | AED 450 | AED 5,400 | 0.5% |
| Insurance | AED 792 | AED 9,500 | 0.9% |
| Monthly Total (excluding one-time costs) | AED 47,524 | ||
Want a Custom Cost Analysis?
Our team can model custom scenarios with different LTV, rate and property size assumptions to match your exact needs.