5-BED VILLA HARMONY 3
5BR + 5BA · 4,650 sqft · Harmony 3
★ Golden VisaVerified 4h ago
Now
AED 11.95M
AED 2,570
Price / sqft
4,650 sqft
Built-up area
5BR + 5BA
1d
On market
AED 61,595
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
Harmony, 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 62K
vs AED 62K at pre-drop price (AED 11.95M) · See cuts ↓
DOWN PAYMENT
AED 2.39M
20% of price
DLD FEE
AED 478K
4% of price
MORTGAGE REG
AED 24K
0.25% loan + 290
CASH TO CLOSE
AED 2.89M
Day-one out-of-pocket
LOAN AMOUNT
AED 9.56M
25y · 6.00%
TOTAL INTEREST
AED 8.92M
Over full term
RENT VS BUY
RENT · ESTIMATE
AED 60K
/ mo · ~6% gross yield
BUY · NOW
AED 62K
+AED 2K / 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 12K/mo.
VII · TRUST & ACTION
DATA ATTESTEDTHIS IS THE MOMENT
SOURCE & CONFIDENCE
90%HIGH
Source
PropertyFinder
Ref · RL-258656
Last verified
…
03 Nov, 05:28
Freshness
3× daily
8h scan window
Method
Direct scrape
Reference-keyed
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