Earn rental income with the Installment + Mortgage investment plan

Purchase an apartment with a 0% installment plan. After receiving the keys, switch to a mortgage to cover the remaining balance and lease the property. Your rental income will exceed your monthly mortgage payments by 43%. Enjoy passive income while having a seaside retreat of your own.

Let’s consider a studio in the Manta Bay project on Al Marjan Island in Ras Al Khaimah with a 60/40 handover installment plan to see how this works.

The project features numerous studios, making it an easily rentable or resale-ready asset. We provide full transaction management, ensuring you find a tenant or buyer with ease.

Transaction timeline

• Summer 2024: Purchase a studio for $354,000.

• August 2024: Make the first payment of 30%, or $106,000.

• Through January 2027: Pay $3,540 monthly for 30 months.

• Handover in Q1 2027: Secure a mortgage to cover the remaining 40% balance, and begin renting out the apartment.

Mortgage details

• Down payment: 20% or $28,300.

• Term: 5 years.

• Monthly mortgage payments: $2,100.

• Monthly rental income: $3,000.

43% More income

Your rental income will exceed your mortgage payments by 43%, allowing you to cover the balance of the installment plan while earning a profit. Over the 5-year mortgage term, you’ll enjoy consistent earnings while paying off the property.

We’ll secure a tenant for you immediately after handover, ensuring you start earning without delay.