200,000 AED

Total 24-Month Cost

πŸ’΅ Cash221,000 AED
🏦 Credit229,700 AED
Monthly: 7,000 AED
πŸ“‹ Lease225,600 AED
Monthly: 7,733 AED

πŸ’΅ Cash

Vehicle price200,000 AED
Insurance (2y)14,000 AED
Registration3,000 AED
Service/maintenance4,000 AED
Pros
βœ“ Zero monthly payments
βœ“ Instant full ownership
βœ“ No AECB impact
Trade-offs
β€’ 200,000 AED capital locked
β€’ You handle insurance & registration
221,000 AED

🏦 Credit

Down payment40,000 AED
Monthly EMI Γ— 24168,000 AED
Insurance (separate)14,000 AED
Registration (separate)3,000 AED
Processing fee1,500 AED
Early payoff penalty3,200 AED
Pros
βœ“ Lower monthly EMI
βœ“ Ownership from day 1
Trade-offs
β€’ ⚠ Reduces AECB credit limit
β€’ Hidden costs not in EMI
β€’ 2-4 weeks approval
229,700 AED

πŸ“‹ Lease

Down payment40,000 AED
Monthly (all-in) Γ— 24185,600 AED
InsuranceIncluded
RegistrationIncluded
Early payoff penaltyAED 0
Pros
βœ“ βœ“ No AECB impact
βœ“ All-inclusive
βœ“ 24h approval
βœ“ No penalties
Trade-offs
β€’ Higher monthly than EMI
β€’ Ownership at contract end
225,600 AED

⚠ Hidden Cost the Calculator Can't Show: AECB Impact

A bank car loan of 160,000 AED reduces your mortgage borrowing capacity by approximately 5,257 AED. Leasing the same car has zero AECB impact β€” your full mortgage capacity is preserved.

Read: How Car Loans Affect Your Mortgage β†’

Illustrative estimates. Insurance rates, bank terms, and lease tariffs vary by vehicle, client profile, and market conditions. Contact us for an exact quote.