26 · The Legends ownership desk
Buy the home—or rent and keep the capital working?
Compare both routes on the same monthly budget. Mortgage equity, ownership costs, rent growth, selling costs and the alternative return on unused capital stay visible.
One budget, two routes
The renting route invests the cash not used for the purchase. Each month, whichever route costs less invests the difference at your entered alternative return.
04
Starting position
05
Modeled wealth at the selected exit
Buy route
AED 1,588,226- Property value at exit
- AED 2,687,833
- Exit equity after selling costs
- AED 1,544,199
- Invested monthly savings
- AED 44,027
- Mortgage balance
- AED 1,089,877
- Owner operating costs
- AED 394,190
- Mortgage interest
- AED 590,376
Rent route
AED 1,096,232- Invested unused purchase cash and savings
- AED 1,096,232
- Rent paid
- AED 1,381,666
- Annual renter costs
- AED 17,196
- Alternative return on invested cash
- 5%
06
Annual wealth path
YearBuy routeRent routeModeled wealth difference
1AED 552,030AED 680,580-AED 128,551
2AED 647,350AED 726,498-AED 79,148
3AED 746,084AED 771,624-AED 25,540
4AED 848,359AED 815,816AED 32,543
5AED 954,309AED 858,927AED 95,382
6AED 1,065,150AED 901,873AED 163,277
7AED 1,183,509AED 946,967AED 236,542
8AED 1,309,828AED 994,315AED 315,513
9AED 1,444,570AED 1,044,031AED 400,539
10AED 1,588,226AED 1,096,232AED 491,993
Saved only on this device. No identity, bank document or full financial scenario is stored or sent.
The Legends review
Turn the comparison into a verified ownership brief.
Only the property reference and a short result summary carry into the enquiry. The complete local scenario is never sent automatically.
Open the mortgage calculator →Illustrative buy-versus-rent sensitivity tool only—not a valuation, mortgage offer, rent assessment, investment recommendation, legal or tax advice. It assumes the entered rates compound consistently, selling occurs at the selected horizon and monthly savings are invested. It excludes taxes outside the UAE, financing insurance changes, transaction timing, deposit recovery, furnishing, moving, vacancy and personal utility. Verify property, rent, service-charge, finance, transaction and tax evidence with qualified advisers before acting.