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    Coming 2028
    Tilal Al Ghaf

    Harmony Villas 3

    Harmony Villas 3, Tilal Al Ghaf, Dubai

    Asking Price

    AED 3,990,000

    4

    Bedrooms

    5

    Bathrooms

    3,200

    Sq. Ft.

    Villa

    Floor

    About This Property

    Harmony Villas 3 at Tilal Al Ghaf by Majid Al Futtaim offers family-friendly living around a crystal lagoon. This sustainable community features extensive green spaces, sports facilities, and excellent schools.

    Features & Amenities

    Lagoon access
    Private garden
    Community pool
    Sports facilities
    International schools
    Retail & dining
    Green spaces
    Easy payment plan
    Currency
    Live rates from ECB

    Property Price

    AED 3,990,000

    Property Details

    Property TypeVilla
    DeveloperMajid Al Futtaim
    Year Built2028
    Parking2 Spaces
    StatusComing 2028

    Investment Analysis

    Investment Analysis

    Financial Overview

    5.5%

    Gross Rental Yield

    Per Annum

    4.9%

    Net Rental Yield

    After Fees

    78.4%

    5-Year ROI Projection

    Total Return

    9%

    Capital Appreciation

    Annual Average

    Currency
    Live rates from ECB

    1 AED = 1.0000 AED•Source: ECB

    Financial Details

    Property PriceAED 3,990,000
    Annual Rental IncomeAED 219,450
    Annual Service ChargesAED 23,940
    Net Annual IncomeAED 195,510
    5-Year Projected ValueAED 6,139,110
    5-Year Total ReturnsAED 3,126,660

    Investment Highlights

    • Prime location with exceptional rental demand from corporate executives and high-net-worth tenants.

    • Dubai's real estate market has shown consistent 9% annual appreciation over the past decade.

    • Tax-free rental income with no capital gains tax on property sales.

    • Golden Visa eligibility for property investments over AED 2 million.

    • Professional property management services available with guaranteed rental programs.

    • Guaranteed rental return programs available by individual agreement.

    Dubai Rental Yield by Price Tier

    Ultra-luxury properties typically yield less due to limited tenant pools, longer vacancy periods, and owner-occupier dominance.
    This Property
    Other Tiers

    Source: Dubai Land Department & RERA Q4 2025 data

    * Projections are based on historical data and market analysis. Actual returns may vary. Past performance is not indicative of future results.

    Financial Planning

    Mortgage Calculator

    Calculate your monthly payments and understand the total cost of ownership

    Adjust Your Terms

    Property PriceAED 3,990,000
    Down Payment
    25%

    AED 997,500

    15%50%
    Interest Rate
    4.5%
    2%8%
    Loan Term
    25 Years
    5 years25 years
    Currency
    Live rates from ECB

    1 AED = 1.0000 AED•Source: European Central Bank

    Total Cost of Ownership

    AED 6,721,167

    Upfront CostsAED 1,282,306
    Total Mortgage PaymentsAED 4,989,986
    Insurance (25 years)AED 448,875

    Complete cost over 25-year term including all fees, interest, and insurance

    Monthly Payment

    AED 16,633

    Over 25 years at 4.5% interest

    Loan Summary

    Loan AmountAED 2,992,500
    Total InterestAED 1,997,486
    Total RepaymentAED 4,989,986

    Upfront Costs

    Down Payment (25%)AED 997,500
    DLD Registration (4%)AED 159,600
    Agency Fee (2%)AED 79,800
    Mortgage Registration (0.25%)AED 7,481
    Bank Processing (1%)AED 29,925
    Valuation FeeAED 3,000
    Trustee/Oqood FeeAED 4,000
    NOC FeeAED 1,000
    Total Upfront RequiredAED 1,282,306

    Annual Insurance Costs

    Life Insurance (0.5% of loan)AED 14,963
    Property Insurance (0.075%)AED 2,993
    Total Annual InsuranceAED 17,955

    * Insurance is mandatory for mortgage approval and must be renewed annually

    * Calculations are estimates based on standard UAE mortgage terms. Actual rates and fees may vary by bank and borrower profile.