REIN Investment · Damac Bay 2

حاسبة التمويل العقاري

كم يمكنك الاقتراض، وكم القسط الشهري، وكم تحتاج نقدًا في اليوم الأول — للمقيمين وغير المقيمين.

سعر العقار (درهم)

حالة الإقامة

حالة العقار

هذا أول عقار لي في الإمارات

الدخل الشهري الإجمالي (درهم)

الالتزامات الشهرية القائمة (درهم)

المدة (سنوات)

معدل الفائدة (%)

الدفعة الأولى (درهم)

تُضبط تلقائيًا على الحد الأدنى؛ ارفعها إذا أردت اقتراض مبلغ أقل.

العمر (اختياري)

نوع العمل

الحد الأقصى للاقتراض

AED 4,169,000

سقف نسبة التمويل هو المقيّد: تُقرض البنوك بحد أقصى 50% من السعر وفق سقف off-plan-during-construction. دخلك يسمح بأكثر.

الدفعة الأولى المطلوبة

AED 4,169,000

القسط الشهري

AED 22,585

الإجمالي المدفوع خلال 25 سنة

AED 6,775,518

منها فوائد AED 2,606,518

إجمالي النقد المطلوب مقدمًا

AED 4,726,763 – AED 4,729,763

الدفعة الأولىAED 4,169,000
رسوم نقل الملكية (4% + رسوم إدارية)AED 334,100
تسجيل الرهن (0.25% + رسوم إدارية)AED 10,713
رسوم ترتيب البنكAED 41,690
رسوم التقييمAED 2,500 – AED 3,500
رسوم مكتب الأمينAED 2,000 – AED 4,000
عمولة الوساطة (2%)AED 166,760

يضاف تأمين الحياة والعقار، تقديريًا AED 20,845 سنويًا — يختلف حسب البنك.

واقع الشراء قيد الإنشاء: مرحلتان

أثناء البناء — دفعات المطوّر من مالك الخاص

On booking · 20%AED 1,667,600
During construction · 20%AED 1,667,600
Upon Handover · 60%AED 5,002,800

عند التسليم — يبدأ التمويل البنكي

تموّل البنوك حتى 50% عند التسليم لحالتك؛ دفعات المطوّر قبل التسليم من مالك الخاص.

إذا قيّم البنك الوحدة بنسبة (% من سعر الشراء)

عند تقييم 95% ينخفض القرض إلى AED 3,960,550 — وتحتاج AED 208,450 نقدًا إضافيًا عند التسليم.

جدول السداد

الشهر	الرصيد الافتتاحي	الفائدة	أصل القرض	الرصيد الختامي
1	4,169,000	14,765	7,820	4,161,180
2	4,161,180	14,738	7,848	4,153,333
3	4,153,333	14,710	7,875	4,145,457
4	4,145,457	14,682	7,903	4,137,554
5	4,137,554	14,654	7,931	4,129,623
6	4,129,623	14,626	7,959	4,121,663
7	4,121,663	14,598	7,988	4,113,676
8	4,113,676	14,569	8,016	4,105,660
9	4,105,660	14,541	8,044	4,097,616
10	4,097,616	14,512	8,073	4,089,543
11	4,089,543	14,484	8,101	4,081,442
12	4,081,442	14,455	8,130	4,073,312
13	4,073,312	14,426	8,159	4,065,153
14	4,065,153	14,397	8,188	4,056,966
15	4,056,966	14,368	8,217	4,048,749
16	4,048,749	14,339	8,246	4,040,503
17	4,040,503	14,310	8,275	4,032,228
18	4,032,228	14,281	8,304	4,023,924
19	4,023,924	14,251	8,334	4,015,590
20	4,015,590	14,222	8,363	4,007,227
21	4,007,227	14,192	8,393	3,998,835
22	3,998,835	14,163	8,423	3,990,412
23	3,990,412	14,133	8,452	3,981,960
24	3,981,960	14,103	8,482	3,973,477
25	3,973,477	14,073	8,512	3,964,965
26	3,964,965	14,043	8,542	3,956,423
27	3,956,423	14,012	8,573	3,947,850
28	3,947,850	13,982	8,603	3,939,247
29	3,939,247	13,951	8,634	3,930,613
30	3,930,613	13,921	8,664	3,921,949
31	3,921,949	13,890	8,695	3,913,254
32	3,913,254	13,859	8,726	3,904,529
33	3,904,529	13,829	8,757	3,895,772
34	3,895,772	13,798	8,788	3,886,985
35	3,886,985	13,766	8,819	3,878,166
36	3,878,166	13,735	8,850	3,869,316
37	3,869,316	13,704	8,881	3,860,435
38	3,860,435	13,672	8,913	3,851,522
39	3,851,522	13,641	8,944	3,842,578
40	3,842,578	13,609	8,976	3,833,602
41	3,833,602	13,577	9,008	3,824,594
42	3,824,594	13,545	9,040	3,815,555
43	3,815,555	13,513	9,072	3,806,483
44	3,806,483	13,481	9,104	3,797,379
45	3,797,379	13,449	9,136	3,788,243
46	3,788,243	13,417	9,168	3,779,075
47	3,779,075	13,384	9,201	3,769,874
48	3,769,874	13,352	9,233	3,760,640
49	3,760,640	13,319	9,266	3,751,374
50	3,751,374	13,286	9,299	3,742,075
51	3,742,075	13,253	9,332	3,732,744
52	3,732,744	13,220	9,365	3,723,379
53	3,723,379	13,187	9,398	3,713,980
54	3,713,980	13,154	9,431	3,704,549
55	3,704,549	13,120	9,465	3,695,084
56	3,695,084	13,087	9,498	3,685,586
57	3,685,586	13,053	9,532	3,676,054
58	3,676,054	13,019	9,566	3,666,488
59	3,666,488	12,985	9,600	3,656,889
60	3,656,889	12,951	9,634	3,647,255
61	3,647,255	12,917	9,668	3,637,588
62	3,637,588	12,883	9,702	3,627,886
63	3,627,886	12,849	9,736	3,618,149
64	3,618,149	12,814	9,771	3,608,378
65	3,608,378	12,780	9,805	3,598,573
66	3,598,573	12,745	9,840	3,588,733
67	3,588,733	12,710	9,875	3,578,858
68	3,578,858	12,675	9,910	3,568,948
69	3,568,948	12,640	9,945	3,559,003
70	3,559,003	12,605	9,980	3,549,023
71	3,549,023	12,569	10,016	3,539,007
72	3,539,007	12,534	10,051	3,528,956
73	3,528,956	12,498	10,087	3,518,869
74	3,518,869	12,463	10,122	3,508,747
75	3,508,747	12,427	10,158	3,498,589
76	3,498,589	12,391	10,194	3,488,395
77	3,488,395	12,355	10,230	3,478,164
78	3,478,164	12,318	10,267	3,467,898
79	3,467,898	12,282	10,303	3,457,595
80	3,457,595	12,246	10,339	3,447,255
81	3,447,255	12,209	10,376	3,436,879
82	3,436,879	12,172	10,413	3,426,467
83	3,426,467	12,135	10,450	3,416,017
84	3,416,017	12,098	10,487	3,405,530
85	3,405,530	12,061	10,524	3,395,006
86	3,395,006	12,024	10,561	3,384,445
87	3,384,445	11,987	10,598	3,373,847
88	3,373,847	11,949	10,636	3,363,211
89	3,363,211	11,911	10,674	3,352,537
90	3,352,537	11,874	10,711	3,341,826
91	3,341,826	11,836	10,749	3,331,076
92	3,331,076	11,798	10,787	3,320,289
93	3,320,289	11,759	10,826	3,309,463
94	3,309,463	11,721	10,864	3,298,599
95	3,298,599	11,683	10,903	3,287,696
96	3,287,696	11,644	10,941	3,276,755
97	3,276,755	11,605	10,980	3,265,775
98	3,265,775	11,566	11,019	3,254,757
99	3,254,757	11,527	11,058	3,243,699
100	3,243,699	11,488	11,097	3,232,602
101	3,232,602	11,449	11,136	3,221,466
102	3,221,466	11,409	11,176	3,210,290
103	3,210,290	11,370	11,215	3,199,075
104	3,199,075	11,330	11,255	3,187,820
105	3,187,820	11,290	11,295	3,176,525
106	3,176,525	11,250	11,335	3,165,190
107	3,165,190	11,210	11,375	3,153,815
108	3,153,815	11,170	11,415	3,142,400
109	3,142,400	11,129	11,456	3,130,944
110	3,130,944	11,089	11,496	3,119,447
111	3,119,447	11,048	11,537	3,107,910
112	3,107,910	11,007	11,578	3,096,333
113	3,096,333	10,966	11,619	3,084,714
114	3,084,714	10,925	11,660	3,073,054
115	3,073,054	10,884	11,701	3,061,352
116	3,061,352	10,842	11,743	3,049,610
117	3,049,610	10,801	11,784	3,037,825
118	3,037,825	10,759	11,826	3,025,999
119	3,025,999	10,717	11,868	3,014,131
120	3,014,131	10,675	11,910	3,002,221
121	3,002,221	10,633	11,952	2,990,269
122	2,990,269	10,591	11,995	2,978,274
123	2,978,274	10,548	12,037	2,966,237
124	2,966,237	10,505	12,080	2,954,158
125	2,954,158	10,463	12,122	2,942,035
126	2,942,035	10,420	12,165	2,929,870
127	2,929,870	10,377	12,208	2,917,662
128	2,917,662	10,333	12,252	2,905,410
129	2,905,410	10,290	12,295	2,893,115
130	2,893,115	10,246	12,339	2,880,776
131	2,880,776	10,203	12,382	2,868,394
132	2,868,394	10,159	12,426	2,855,968
133	2,855,968	10,115	12,470	2,843,498
134	2,843,498	10,071	12,514	2,830,983
135	2,830,983	10,026	12,559	2,818,425
136	2,818,425	9,982	12,603	2,805,821
137	2,805,821	9,937	12,648	2,793,174
138	2,793,174	9,892	12,693	2,780,481
139	2,780,481	9,848	12,738	2,767,744
140	2,767,744	9,802	12,783	2,754,961
141	2,754,961	9,757	12,828	2,742,133
142	2,742,133	9,712	12,873	2,729,260
143	2,729,260	9,666	12,919	2,716,341
144	2,716,341	9,620	12,965	2,703,376
145	2,703,376	9,574	13,011	2,690,365
146	2,690,365	9,528	13,057	2,677,309
147	2,677,309	9,482	13,103	2,664,206
148	2,664,206	9,436	13,149	2,651,056
149	2,651,056	9,389	13,196	2,637,861
150	2,637,861	9,342	13,243	2,624,618
151	2,624,618	9,296	13,290	2,611,328
152	2,611,328	9,248	13,337	2,597,992
153	2,597,992	9,201	13,384	2,584,608
154	2,584,608	9,154	13,431	2,571,177
155	2,571,177	9,106	13,479	2,557,698
156	2,557,698	9,059	13,527	2,544,171
157	2,544,171	9,011	13,574	2,530,597
158	2,530,597	8,963	13,623	2,516,974
159	2,516,974	8,914	13,671	2,503,304
160	2,503,304	8,866	13,719	2,489,584
161	2,489,584	8,817	13,768	2,475,817
162	2,475,817	8,769	13,817	2,462,000
163	2,462,000	8,720	13,865	2,448,135
164	2,448,135	8,670	13,915	2,434,220
165	2,434,220	8,621	13,964	2,420,256
166	2,420,256	8,572	14,013	2,406,243
167	2,406,243	8,522	14,063	2,392,180
168	2,392,180	8,472	14,113	2,378,067
169	2,378,067	8,422	14,163	2,363,904
170	2,363,904	8,372	14,213	2,349,691
171	2,349,691	8,322	14,263	2,335,428
172	2,335,428	8,271	14,314	2,321,114
173	2,321,114	8,221	14,364	2,306,750
174	2,306,750	8,170	14,415	2,292,335
175	2,292,335	8,119	14,466	2,277,868
176	2,277,868	8,067	14,518	2,263,351
177	2,263,351	8,016	14,569	2,248,782
178	2,248,782	7,964	14,621	2,234,161
179	2,234,161	7,913	14,672	2,219,489
180	2,219,489	7,861	14,724	2,204,764
181	2,204,764	7,809	14,777	2,189,988
182	2,189,988	7,756	14,829	2,175,159
183	2,175,159	7,704	14,881	2,160,278
184	2,160,278	7,651	14,934	2,145,343
185	2,145,343	7,598	14,987	2,130,356
186	2,130,356	7,545	15,040	2,115,316
187	2,115,316	7,492	15,093	2,100,223
188	2,100,223	7,438	15,147	2,085,076
189	2,085,076	7,385	15,200	2,069,876
190	2,069,876	7,331	15,254	2,054,622
191	2,054,622	7,277	15,308	2,039,313
192	2,039,313	7,223	15,362	2,023,951
193	2,023,951	7,168	15,417	2,008,534
194	2,008,534	7,114	15,472	1,993,063
195	1,993,063	7,059	15,526	1,977,536
196	1,977,536	7,004	15,581	1,961,955
197	1,961,955	6,949	15,636	1,946,318
198	1,946,318	6,893	15,692	1,930,627
199	1,930,627	6,838	15,747	1,914,879
200	1,914,879	6,782	15,803	1,899,076
201	1,899,076	6,726	15,859	1,883,217
202	1,883,217	6,670	15,915	1,867,301
203	1,867,301	6,613	15,972	1,851,330
204	1,851,330	6,557	16,028	1,835,301
205	1,835,301	6,500	16,085	1,819,216
206	1,819,216	6,443	16,142	1,803,074
207	1,803,074	6,386	16,199	1,786,875
208	1,786,875	6,329	16,257	1,770,619
209	1,770,619	6,271	16,314	1,754,305
210	1,754,305	6,213	16,372	1,737,933
211	1,737,933	6,155	16,430	1,721,503
212	1,721,503	6,097	16,488	1,705,015
213	1,705,015	6,039	16,546	1,688,468
214	1,688,468	5,980	16,605	1,671,863
215	1,671,863	5,921	16,664	1,655,199
216	1,655,199	5,862	16,723	1,638,476
217	1,638,476	5,803	16,782	1,621,694
218	1,621,694	5,744	16,842	1,604,853
219	1,604,853	5,684	16,901	1,587,952
220	1,587,952	5,624	16,961	1,570,990
221	1,570,990	5,564	17,021	1,553,969
222	1,553,969	5,504	17,081	1,536,888
223	1,536,888	5,443	17,142	1,519,746
224	1,519,746	5,382	17,203	1,502,543
225	1,502,543	5,322	17,264	1,485,280
226	1,485,280	5,260	17,325	1,467,955
227	1,467,955	5,199	17,386	1,450,569
228	1,450,569	5,137	17,448	1,433,121
229	1,433,121	5,076	17,509	1,415,612
230	1,415,612	5,014	17,571	1,398,041
231	1,398,041	4,951	17,634	1,380,407
232	1,380,407	4,889	17,696	1,362,711
233	1,362,711	4,826	17,759	1,344,952
234	1,344,952	4,763	17,822	1,327,130
235	1,327,130	4,700	17,885	1,309,246
236	1,309,246	4,637	17,948	1,291,297
237	1,291,297	4,573	18,012	1,273,286
238	1,273,286	4,510	18,076	1,255,210
239	1,255,210	4,446	18,140	1,237,071
240	1,237,071	4,381	18,204	1,218,867
241	1,218,867	4,317	18,268	1,200,599
242	1,200,599	4,252	18,333	1,182,266
243	1,182,266	4,187	18,398	1,163,868
244	1,163,868	4,122	18,463	1,145,405
245	1,145,405	4,057	18,528	1,126,876
246	1,126,876	3,991	18,594	1,108,282
247	1,108,282	3,925	18,660	1,089,622
248	1,089,622	3,859	18,726	1,070,896
249	1,070,896	3,793	18,792	1,052,104
250	1,052,104	3,726	18,859	1,033,245
251	1,033,245	3,659	18,926	1,014,320
252	1,014,320	3,592	18,993	995,327
253	995,327	3,525	19,060	976,267
254	976,267	3,458	19,127	957,140
255	957,140	3,390	19,195	937,944
256	937,944	3,322	19,263	918,681
257	918,681	3,254	19,331	899,350
258	899,350	3,185	19,400	879,950
259	879,950	3,116	19,469	860,481
260	860,481	3,048	19,538	840,944
261	840,944	2,978	19,607	821,337
262	821,337	2,909	19,676	801,661
263	801,661	2,839	19,746	781,915
264	781,915	2,769	19,816	762,099
265	762,099	2,699	19,886	742,213
266	742,213	2,629	19,956	722,257
267	722,257	2,558	20,027	702,230
268	702,230	2,487	20,098	682,132
269	682,132	2,416	20,169	661,963
270	661,963	2,344	20,241	641,722
271	641,722	2,273	20,312	621,410
272	621,410	2,201	20,384	601,026
273	601,026	2,129	20,456	580,569
274	580,569	2,056	20,529	560,040
275	560,040	1,983	20,602	539,439
276	539,439	1,911	20,675	518,764
277	518,764	1,837	20,748	498,016
278	498,016	1,764	20,821	477,195
279	477,195	1,690	20,895	456,300
280	456,300	1,616	20,969	435,331
281	435,331	1,542	21,043	414,288
282	414,288	1,467	21,118	393,170
283	393,170	1,392	21,193	371,977
284	371,977	1,317	21,268	350,710
285	350,710	1,242	21,343	329,367
286	329,367	1,167	21,419	307,948
287	307,948	1,091	21,494	286,454
288	286,454	1,015	21,571	264,883
289	264,883	938	21,647	243,236
290	243,236	861	21,724	221,513
291	221,513	785	21,801	199,712
292	199,712	707	21,878	177,835
293	177,835	630	21,955	155,879
294	155,879	552	22,033	133,846
295	133,846	474	22,111	111,735
296	111,735	396	22,189	89,546
297	89,546	317	22,268	67,278
298	67,278	238	22,347	44,931
299	44,931	159	22,426	22,505
300	22,505	80	22,505	0

أرسلوا لي هذا الملخص بالبريد

أرقام استرشادية فقط — ليست عرض تمويل. تختلف معايير البنوك وأسعارها والموافقة غير مضمونة. تعمل REIN Investment بصفة وسيط وليست جهة إقراض. قد يُسترد عقارك إذا لم تواظب على السداد.

السقوف والرسوم سارية من 2026-07-01. CBUAE lending caps as commonly applied by UAE banks; DLD fee schedule. Unverified seed values — confirm before launch.