No sign-up required Nothing stored or tracked No pressure. No calls. Free. Forever.

See your real property cost
before you sign anything.

Drag the slider. Get the full breakdown in 30 seconds — every fee, all interest, hidden costs included. Free, no sign-up.

Your property price
AED 750,000
AED 200KAED 5M
⚠️ Mandatory fees on this property
DLD 4% + admin + OQOOD + agent — not in the ad
AED 52,200
AED 30,000

DLD transfer fee (4%) — on AED 750K. Never in the headline.

AED
4,200

Fixed admin fee on every Dubai property purchase

AED 15,000

Agent commission (2%) — on AED 750K. Paid by the buyer.

0.25%

OQOOD fee on off-plan — min AED 3,000. Most buyers miss this.

AED 50,450

Total mandatory fees on AED 750K — before bank interest

Risk Analysis

Is your plan riskier than you think?

Most buyers only check the monthly payment. These three tests show what happens when things don't go to plan.

📈
Rate Shock Test
If mortgage rates rise 1–2%, how much more will you pay every month — and over the full term?
Mortgage risk
💣
Balloon Risk
When is the big payment due? Visualise exactly when large lump sums hit — and whether you'll be ready.
Cash flow risk
🩺
Cash Strain Score
What percentage of your monthly income goes to this property? See your comfort zone — and your red line.
Affordability risk
Free · Private · No sign-up
"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 the problem.
Not knowing the real total is.

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

NoCatch puts every fee, every milestone, and every hidden cost in front of you before you sign anything. Free. No pressure. No calls.

How it works

Two inputs. Full picture.

1

Enter price + pick your plan

Set your property price above, then choose the payment plan you saw in the ad — 20/80, post-handover, mortgage, cash, or others. Takes under 60 seconds.

2

See every dirham

Total cost, all mandatory fees, bank interest, hidden ownership costs, rent vs. buy, ROI, and an honest affordability check. Everything the ad skipped.

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.

Dubai Price Map

What does a property actually cost
in your target area?

Real average prices across 9 key communities. Click any to instantly see the true total cost with all fees and interest.

Type
Size
Price Map

Average property prices across Dubai

Select type and size. Click any marker to see the true total cost with all fees.

Type
Size
Risk Analysis

Know before you sign.

Three stress tests that reveal what happens to your finances when things don't go exactly to plan. Every number is calculated from your inputs — no black boxes.

Your property details

Fill in what you know. Every field is optional — leave blank and we'll use Dubai market averages.

Property Price
AED
Mortgage Rate % p.a.
%
Current market: 4.0–5.5%
Loan Term
Monthly Incomei
Used for cash strain score only. Stays in your browser — never sent anywhere.
AED
Optional · for Cash Strain only
Down Payment %
%
Min 20% expats · 15% UAE nationals
Handover Payment %
%
e.g. 80% for a 20/80 plan
Property Calculator

What will this property actually cost you?

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

1
Property
2
Plan
3
Results
Property Details

Confirm your property details

All UAE mandatory fees calculate live as you type — most buyers only see these at signing.

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.
AED750,000
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
Pick Your Plan

Which plan did you see?

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
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.
Quick question — what best describes you?

We ask because a first-time buyer and an investor care about very different things. Your answer helps us show the most relevant tips and improve the tool for your situation. It's anonymous and optional.

📄 Would a PDF summary be useful?
A downloadable breakdown you could share with your partner, bank, or agent — with your full cost breakdown, timeline, and risk score.

We're building it. Drop your email and we'll let you know the moment it's ready. No spam, no marketing. Just one notification.
✅ You're on the list — we'll email you when it's ready.
Never shared or sold. Privacy Policy
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.
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.
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.
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.
🗓️ 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.
🤝
🏠
💡 Buyer Intel
How Agent Incentives Work in Dubai — and How Prepared Buyers Use That Knowledge
Understanding how commission structures work doesn't make you suspicious. It makes you a faster, cleaner buyer with fewer surprises at close.
Contract clause 14.3
"Developer reserves the right to modify design, layout and specifications..."
📋 Contract Guide
The Dubai Off-Plan SPA: What to Read Before You Sign
Five sections most buyers skip — and why reading them leads to better outcomes for everyone involved, including the developer.
LISTING
AED 2.0M
BANK VAL
AED 1.75M
📊 Market Reality
Listing Price vs. Bank Valuation vs. Transaction Price: How Dubai Property Pricing Actually Works
Three different numbers — and knowing how they relate is one of the most practical advantages a prepared buyer can have.
RENTING
AED 72K/yr
vs
OWNING
AED 93K/yr
🧮 Analysis
Rent vs. Buy in Dubai: The Maths Most Buyers Don't Run
The break-even year between renting and buying is different for every community and situation. Here's how to calculate yours.
Annual service charge
AED 36,000
on a 1,200 sqft apartment · every year · forever
🏢 Ownership Costs
Service Charges in Dubai: What They Are, How to Check Them, and Why They Matter
The one number that can swing a property's net yield by 2–3% — and how any buyer or investor can verify it in 10 minutes.
📨
Report
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