4-BED PENTHOUSE HARBOUR GATE TOWER 2
4BR + 5BA · 3,112 sqft
★ Golden VisaVerified 2h ago
Now
AED 7.75M
AED 2,490
Price / sqft
3,112 sqft
Built-up area
4BR + 5BA
1d
On market
AED 39,947
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
Active comps refreshed 3× daily
BENCHMARK
Harbour Gate Tower, 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 40K
vs AED 40K at pre-drop price (AED 7.75M) · See cuts ↓
DOWN PAYMENT
AED 1.55M
20% of price
DLD FEE
AED 310K
4% of price
MORTGAGE REG
AED 16K
0.25% loan + 290
CASH TO CLOSE
AED 1.88M
Day-one out-of-pocket
LOAN AMOUNT
AED 6.20M
25y · 6.00%
TOTAL INTEREST
AED 5.78M
Over full term
RENT VS BUY
RENT · ESTIMATE
AED 39K
/ mo · ~6% gross yield
BUY · NOW
AED 40K
+AED 1K / 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 8K/mo.
VI · AREA INTEL
HARBOUR GATE TOWER 2 · ACTIVE COMPSGEOGRAPHY · PULSE · VELOCITY
VII · TRUST & ACTION
DATA ATTESTEDTHIS IS THE MOMENT
SOURCE & CONFIDENCE
90%HIGH
Source
PropertyFinder
Ref · RL-254536
Last verified
…
19 Oct, 16:15
Freshness
3× daily
8h scan window
Method
Direct scrape
Reference-keyed
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