Built by a confused Dubai buyer, for every confused Dubai buyer

Confused by property payment plans?
Not Anymore.

You saw the listing. You loved the apartment.
Then the payment plan made your head spin — we fix that.

Zero sign-up needed Nothing stored or tracked No pressure. No calls. Free. Forever.
4%

DLD transfer fee — never in the ad headline

AED
4,200

Fixed admin fee on every Dubai property purchase

9

UAE payment plan types, all decoded for free

0.25%

OQOOD fee on off-plan — minimum AED 3,000

2%

Agent commission — that's AED 30,000 on a AED 1.5M property

"I loved the apartment. Then they explained the payment plan and I needed a moment."
— Pretty much every Dubai buyer, ever

The plan isn't confusing. The explanation is.

Payment plans in Dubai are actually straightforward once someone breaks them down honestly. The problem is nobody does — not in the ad, not always in the viewing, sometimes not even in the contract.

NoCatch puts every fee, every milestone, and every hidden cost in front of you clearly — before you sign anything, before any pressure, completely free.

How it works

Four steps to total clarity

1

Enter the property

Price, type, and your buyer status. Takes under a minute. Live fee preview updates as you type.

2

Pick your plan

Select what you saw in the ad. We explain it in plain English and calculate every dirham.

3

Check affordability

Optional and 100% private. Tell us your cash and income — we tell you honestly if it fits your life.

4

Get the full picture

Total cost, timeline, hidden fees, comparison, rent vs buy — everything. Instantly.

What you'll discover

Six things the ads never show

💰

Full Cost Breakdown

Property price + every fee + financing costs + interest. The real total, not the headline number.

📅

Cash Flow Timeline

Month-by-month visual of every payment. Know exactly when money leaves your account.

⚖️

Plan Comparison

All common plan types calculated side-by-side. See which actually saves you the most.

👁️

Hidden Costs

Service charge, chiller, DEWA, insurance, furnishing — the costs nobody mentions until after you sign.

🏠

Rent vs. Buy

The exact year buying becomes cheaper than renting. Based on Dubai market data, not guesswork.

🏦

Affordability Check

Based on UAE Central Bank rules. Know your real mortgage eligibility before approaching any bank.

What you'll see

Your results look like this

Enter your numbers and the blur lifts. Every figure below becomes yours.

📋 20/80 Construction-Linked Plan · AED 1,500,000
Total Cost to Own
AED 1,847,600
Off-Plan AED 312,400 interest AED 6,250/month Fees: AED 75,600
Pay Today
AED 275,600
Incl. all fees
Monthly EMI
AED 6,250
For 25 years
At Handover
—
Mortgage financed
Total Interest
AED 312,400
Bank cost
⚠️ Hidden Cost
AED 22,500/yr
Annual service charge · Not in the ad
📈 5-Year Value
AED 2,103,000
Est. property value at 7%/yr
🏠 Break-Even
Year 7
Cheaper to own than rent from here
💡 Real Talk — What the Numbers Mean
👀 The 7.5% that wasn't in the ad
AED 75,600
Mandatory fees on top of asking price
🏦 What the bank quietly earns
AED 312,400
53% of property value · paid over 25 years
📈 5-year value at 7%/yr growth
AED 2,103,000
+AED 603,000 gain on asking price
🔍 Annual running cost nobody mentions
AED 44,500/yr
Service charge + DEWA + insurance + maintenance
📤 Share breakdown with a friend
WA
X
in
Free · No sign-up · Your numbers stay private
All of this, for your property.
Enter price + plan. Your full breakdown — every insight above — unlocks in 60 seconds.
Property Calculator

Decode any payment plan

No sign-up. Nothing saved to any server. Runs entirely in your browser.

1
Property
2
Plan
3
Affordability
4
Results
Step 1 of 3

Property Details

Enter the basics — all UAE mandatory fees are calculated and shown live as you type.

Property Price i
The asking price from the developer or listing — exactly as advertised. Do not include fees here; DLD, OQOOD, and agent commission are calculated separately below.
AED1,500,000
drag to adjust
AED 200KAED 10M
💡Dubai ranges: AED 450K–800K (1BR JVC/Sports City) · AED 900K–2M (1–2BR Downtown/Marina) · AED 2M+ (premium/Palm)
Property Type i
Off-plan = still under construction, buying from developer. Ready = completed. OQOOD registration (0.25%) is only charged on off-plan properties.
💡 Most social media ads are off-plan
Buyer Status i
Expat residents: max 80% LTV. UAE nationals: max 85% (≤AED 5M). Non-residents: max 70% LTV. This affects mortgage eligibility shown in results.
Buying Purpose i
Shapes your results. Investing? We show rental yield and ROI. Living in it? We show rent vs buy for your specific situation.
Emirate i
Dubai uses DLD fees (4% transfer). Abu Dhabi and other emirates have slightly different registration structures.
💡 Most off-plan ads are Dubai projects
Mandatory Fees — Live i
These fees are always due regardless of which payment plan you choose. Many buyers discover them for the first time at signing. NoCatch shows them upfront.
DLD Transfer Fee
—
4% of price
DLD Admin Fee
AED 4,200
Fixed charge
OQOOD Reg.
—
0.25%, min AED 3K
Agent Commission
—
Typically 2%
Total Fees
—
On top of price
Step 2 of 3

Payment Plan

Select what you saw in the ad or heard from your developer. We'll explain it and calculate every cost.

⭐ Not sure which to pick? Most common in Dubai: 20/80 (off-plan, mortgage at handover) and Post-Handover (pay after keys). Pick the closest — you can always go back.
✓
📅
% Monthly
"1% per month"
✓
⭐ Popular
📐
20/80 Plan
Build + handover
✓
🏗️
30/70 Plan
Build + handover
✓
⚖️
40/60 Plan
Balanced split
✓
🔁
50/50 Plan
Equal split
✓
⭐ Popular
🗓️
Post-Handover
Pay after keys
✓
🏦
Mortgage
Bank financing
✓
💵
Full Cash
Best overall deal
✓
✏️
Custom
Build milestone by milestone
Step 3 of 3 — Optional

Affordability Check

100% private — nothing leaves your browser. The more you fill in, the richer your results. Skip entirely if you prefer.

🔒Completely private. Every number you enter disappears when you close the tab. We never see it. It never touches a server. Fill in as much or as little as you like.
Monthly Incomei
Gross monthly salary. Used to estimate mortgage eligibility under UAE Central Bank DBR rules — total debt cannot exceed 50% of income.
AED0
drag or type
AED 0AED 150K
💡 Mid-level Dubai: AED 15K–40K/mo
Monthly Free Cashi
How much you can comfortably set aside every month after all expenses. Be honest — this is what's available for a property payment.
AED0
drag or type
AED 0AED 50K
💡 Rule: payment < 30% of take-home
Cash Available Nowi
Savings you can access. Must cover booking fee + all mandatory fees (DLD, OQOOD, agent) due upfront before any mortgage.
AED0
drag or type
AED 0AED 5M
💡 Fees on AED 1M ≈ AED 70K upfront
Current Monthly Renti
What you pay now. Used to calculate the exact year buying becomes cheaper than renting.
AED0
drag or type
AED 0AED 30K
💡 AED 5K–9K (1BR) · AED 8K–18K (2BR)
Existing Monthly Debti
Car loans, personal loans, credit card minimums. Banks deduct these under the UAE DBR rule when calculating mortgage eligibility.
AED0
drag or type
AED 0AED 30K
💡 Include car loans, personal loans
—
Property Price
AED —
What the developer advertises
What You'll Actually Pay
AED —
Total cost to own
Was this useful? 👋
Honest answer only — helps make it better for the next person.
What was most useful — or what's missing?
Email — optional
No spam. Only if something meaningful changes or you want to be notified of updates.
🙏
Thank you — genuinely.
This was built out of the same frustration you probably just felt. Your feedback makes it more useful for the next person who sees that confusing ad.
The NoCatch Guide

Know before you buy.
What the ads never tell you.

Plain English guides to UAE property — no jargon, no agenda.

⭐ Most Read · Payment Plans
Dubai Property Payment Plans: Every Type Explained
Off-plan monthly, 20/80, 50/50, post-handover, mortgage, cash — what each plan actually costs, who it suits, and the catches nobody mentions.
5 min read →
DLD 4%
Agent 2%
OQOOD 0.25%
Admin
Valuation
💰 Fees & Costs
Every Fee You Pay When Buying Dubai Property
DLD, OQOOD, admin, agent, mortgage registration — the complete list, with current figures. Most buyers only discover these at signing.
4 min read →
Off-Plan
AED
1.2M
Ready
AED
1.5M
🏗️ Off-Plan vs Ready
Off-Plan vs Ready Property: The Real Cost Comparison
Lower entry price vs. move-in now. But which actually costs less when you count everything? Real numbers, side by side.
5 min read →
Income
50% DBR
EMI
Other debt
🏦 Mortgages
Can I Afford Dubai Property? How UAE Banks Actually Decide
DBR rules, LTV limits, what banks check beyond your salary. Understand your real eligibility before walking into a bank.
6 min read →
${Array.from({length:42},(_,i)=>{ let cls=''; if(i<18) cls='paid'; else if(i===18) cls='keys'; else if(i<35) cls='post'; return `
`; }).join('')}
🗓️ Post-Handover
Post-Handover Payment Plans: What Nobody Tells You
You get the keys but the payments continue. Here's what to check in the contract, the investor angle, and the risks most buyers miss.
5 min read →
🏠 About NoCatch

Built by a buyer.
For every buyer.

NoCatch.ae — Dubai, UAE · 2026

The story

NoCatch started with a WhatsApp message. A friend shared a payment plan brochure for a Dubai apartment they were excited about. The headline said AED 1,200,000. After working through the DLD fees, agent commission, OQOOD registration, and 25 years of bank interest — the real number was closer to AED 2.1 million.

The information wasn't hidden. It was just scattered — across PDFs, bank calculators, DLD websites, and conversations with agents who had a commission to earn. Nobody had put it all in one place, honestly, for free, with no angle.

So we built NoCatch. A tool that does one thing well: shows you every dirham you will actually spend before you sign anything.

What NoCatch does

NoCatch is a free property payment plan calculator for UAE buyers. It models four payment structures used across Dubai's property market:

For each plan, NoCatch calculates the true total cost including DLD transfer fee (4%), agent commission (2%), OQOOD registration (0.25%), admin fees, bank interest where applicable, and annual ownership costs. It also provides a rent-vs-buy comparison and ROI projection.

Everything runs in your browser. No data leaves your device. No account required. No ads. Free forever.

What NoCatch is not

NoCatch is not a financial advisor, property agent, bank, or registered investment platform. The figures it produces are illustrative and indicative — they are based on publicly available UAE fee structures and standard mortgage assumptions. They are not a substitute for advice from a DLD-registered agent, a UAE-licensed financial advisor, or your bank.

Always verify any figure with your developer, your bank, and a licensed professional before committing to a purchase.

Our values

🔍 Radical transparency
Every number NoCatch shows is explained. No black boxes, no marketing spin.
🔒 Zero data collection
Your calculations stay on your device. We don't store, sell, or share your financial inputs.
🚫 No conflicts
No developer partnerships. No agent referrals. No bank affiliations. No reason to mislead you.
♾️ Free forever
Knowing the real cost of a property should not cost money. It never will here.

Contact & feedback

NoCatch is a small tool, actively improved based on user feedback. If you spot an error, want to suggest a feature, or just want to say the tool helped — get in touch. Every message is read personally.

🔒 Privacy Policy

Your privacy, plainly explained.

Last updated: February 2026 · Effective immediately · Applies to nocatch.ae

Overview

NoCatch.ae is committed to protecting your privacy. This policy explains what data we collect (very little), how we use it, and your rights under applicable UAE law — specifically the UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL).

The short version: your financial inputs never leave your device. We collect minimal analytics data and optional feedback submissions. We do not sell, share, or monetise any user data.

Data we do NOT collect

Data we do collect

Analytics (Google Analytics 4) — We use Google Analytics to understand how people use NoCatch: which pages are visited, how long sessions last, and which features are used. This data is aggregated and anonymised. No personal financial data is included. You can opt out via your browser's Do Not Track setting or a GA opt-out extension. Google's privacy policy applies to this data: policies.google.com/privacy.

Feedback submissions — If you submit a rating or written feedback via the results page, we collect your response and, optionally, your email address. This is submitted via Formspree (formspree.io) and stored securely. It is used only to improve NoCatch. We will not contact you for marketing purposes.

Contact form submissions — If you contact us via the contact page, we collect your name, email address, and message. This is used solely to respond to your enquiry.

Saved calculations (local storage) — If you save a calculation, it is stored in your browser's local storage on your device. It is not transmitted to any server. Clearing your browser data will delete it.

Legal basis for processing (UAE PDPL)

Under UAE Federal Decree-Law No. 45 of 2021, we process personal data on the following bases:

Data retention

Feedback and contact form data is retained for up to 24 months, after which it is deleted. Anonymised analytics data is retained per Google's standard retention policy (26 months). You may request deletion of any personal data we hold by contacting us.

Third-party services

Both services are subject to their own privacy policies and are compliant with applicable data protection regulations.

Your rights

Under the UAE PDPL, you have the right to: access data we hold about you; request correction of inaccurate data; request deletion of your data; withdraw consent at any time; and lodge a complaint with the UAE Data Office.

To exercise any of these rights, contact us. We will respond within 30 days.

Children

NoCatch is not directed at children under 18. We do not knowingly collect data from minors.

Changes to this policy

We may update this policy from time to time. Material changes will be noted with an updated effective date at the top of this page. Continued use of NoCatch after changes constitutes acceptance of the updated policy.

Contact

For any privacy-related questions, contact us here.

📋 Terms of Use

Terms of Use

Last updated: February 2026 · Effective immediately · Applies to nocatch.ae

1. Acceptance of terms

By accessing or using NoCatch.ae (the "Tool"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Tool. These terms are governed by the laws of the United Arab Emirates, and any disputes shall be subject to the exclusive jurisdiction of the courts of Dubai, UAE.

2. Nature of the tool

NoCatch.ae is an informational and educational tool designed to help users in the UAE understand the approximate total cost of different property payment structures. All figures produced by the Tool are indicative and illustrative only.

The Tool does not constitute and should not be interpreted as:

3. No warranty on accuracy

While we make every reasonable effort to ensure figures are based on current UAE fee structures and standard mortgage assumptions, NoCatch does not guarantee the accuracy, completeness, or currency of any calculation. UAE property fees, DLD regulations, mortgage rates, and market conditions change. Users must independently verify all figures with their developer, bank, and a DLD-registered professional before making any financial commitment.

In particular: DLD fees are quoted per 2025 fee schedules and are subject to change without notice; mortgage interest rates are illustrative and not a quote from any lender; developer payment terms vary and must be confirmed in the Sale and Purchase Agreement (SPA).

4. Limitation of liability

To the fullest extent permitted by applicable UAE law, NoCatch.ae and its operator(s) shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

You use this Tool entirely at your own risk. NoCatch is not a regulated financial service and is not supervised by the UAE Central Bank, the Securities and Commodities Authority (SCA), or the Dubai Financial Services Authority (DFSA).

5. No professional relationship

Use of NoCatch does not create any professional relationship — whether advisor-client, agent-buyer, or otherwise — between you and NoCatch.ae or its operator(s). No duty of care arises from use of this Tool.

6. Third-party content and links

The Buyer's Guide articles on NoCatch are provided for general educational purposes only. They do not constitute legal, financial, or professional advice. Any links to third-party websites are provided for convenience only; NoCatch does not endorse or take responsibility for any third-party content.

7. Intellectual property

All content on NoCatch.ae — including but not limited to text, calculations, design, and code — is owned by or licensed to NoCatch.ae. You may not reproduce, distribute, or create derivative works from any content on this site without prior written permission.

8. Acceptable use

You agree not to use NoCatch.ae to:

9. Privacy

Use of the Tool is also subject to our Privacy Policy, which is incorporated into these Terms by reference.

10. Changes to terms

We reserve the right to update these Terms at any time. Continued use of the Tool after changes are posted constitutes acceptance of the updated Terms. Material changes will be reflected in the updated effective date above.

11. Contact

For questions about these Terms, contact us here.

✉️ Get in touch

Contact us

Every message is read personally. We typically respond within 1–2 business days.

🐛
Found a bug or wrong number?
If a calculation looks off, please tell us which plan, property price, and what you expected. We fix errors fast.
💡
Feature suggestion
Missing a fee, a plan type, or a comparison you wish existed? Suggest it — most features on NoCatch came from user feedback.
🔒
Privacy or legal enquiry
For data requests or legal questions, use this form and we'll respond within 30 days as required under the UAE PDPL.
🤝
Press or partnership
Media enquiries and partnership proposals welcome. Please be specific about what you have in mind.

Send a message

No account needed. Your message goes directly to the founder.

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We've received your message and will reply to your email within 1–2 business days. If it's urgent, mention that in your message next time.
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