4BR TOWNHOUSE RAYA
4BR + 5BA · 3,020 sqft · Raya
★ Golden VisaVerified 2h ago
Now
AED 4.45M
AED 1,474
Price / sqft
3,020 sqft
Built-up area
4BR + 5BA
23d
On market
vs 13d median
AED 22,937
Mortgage est.
25y · 6% · 20% down
II · THE THESIS
DEAL SCORE PENDINGWHY THIS IS A DEAL
01
HEADLINE · COMPOSITE
SCORE BREAKDOWN
Awaiting first price event to compute score.
Insider unlocks the four evidence rows below.
Motivation · Negotiability · Below median · Every section below
INPUTS
4 signals + relist
WEIGHTS
Drop 35 · Neg 25 · Med 20 · Conf 10 · Relist 10
COMPS
15 comps · 3× daily
BENCHMARK
Arabian Ranches 3, last 180d
REFRESH
3× daily
IV · CASHFLOW
UAE CB GUIDELINES · YOUR ASSUMPTIONSMORTGAGE · RENT · BREAK-EVEN
YOUR ASSUMPTIONS
Down payment20%
15%40%
Interest rate6.00%
3.50%8.00%
Term25 yr
15 yr30 yr
UAE CB caps · 25-yr tenor · 80% LTV on a first home ≤ AED 5M · rates vary by bank — drag the sliders
MONTHLY · NOW
AED 23K
vs AED 23K at pre-drop price (AED 4.45M) · See cuts ↓
DOWN PAYMENT
AED 890K
20% of price
DLD FEE
AED 178K
4% of price
MORTGAGE REG
AED 9K
0.25% loan + 290
CASH TO CLOSE
AED 1.08M
Day-one out-of-pocket
LOAN AMOUNT
AED 3.56M
25y · 6.00%
TOTAL INTEREST
AED 3.32M
Over full term
RENT VS BUY
RENT · ESTIMATE
AED 22K
/ mo · ~6% gross yield
BUY · NOW
AED 23K
+AED 687 / mo
Your monthly cost is already higher than the rent estimate — the buy vs rent break-even leans on price appreciation rather than monthly cash flow.
STRESS TEST
AT VARIOUS RATESIf rates climb to 8%, your payment grows by ~AED 5K/mo.
V · COMPARABLES
ARABIAN RANCHES 3 · 4BR · ACTIVEVALUE · 15 COMPS
VALUE HEADLINE
AED 1,474 /sqft-16%
vs area median AED 1,746 /sqft · 14 comps
RANK
2 / 15
CHEAPEST QUARTILE
OUR TAKE
★ UnderpricedPRICE × SIZE · DROP-WEIGHTED
DOT SIZE = DROP %AED / SQFT · DISTRIBUTION
BREAKDOWN · 14 LISTINGS
MORE EXPENSIVE /SQFT
13
93% of comps
CHEAPER /SQFT
1
See table
MEDIAN DOM
—
this listing: —
NEW THIS WEEK
—
Last 7 days
ListingPriceSizeAED/sqftDrop %DOMΔ vs this
This listingThisAED 4.45M3,0201,474———Single Row · Triplex · Close to pool · NewAED 4.00M3,0241,323——-10%Branded Villa · VacantAED 7.30M4,8221,514——+3%Park backingAED 4.00M2,5331,579−3.6%—+7%Park Facing · Vacant NowAED 4.00M2,5221,586——+8%Genuine Listing · Greenbelt Backing · Vacant NowAED 7.55M4,6411,627——+10%TAKEAWAYOf 14 comparables, 13 are more expensive per sqft. The 1 cheaper one is a mix of smaller units and older buildings.
Unlock all comparables · AED 199 / mo
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