Interactive Tool
Total Cost Calculator
Compare the real total cost of cash purchase, bank credit, and lease-to-own — including all hidden costs banks don't show you.
200,000 AED
Total 24-Month Cost
💵 Cash221,000 AED
🏦 Credit229,700 AED
Monthly: 7,000 AED
📋 Lease225,600 AED
Monthly: 7,733 AED
💵 Cash
Vehicle price200,000 AED
Insurance (2y)14,000 AED
Registration3,000 AED
Service/maintenance4,000 AED
Pros
✓ Zero monthly payments
✓ Instant full ownership
✓ No AECB impact
Trade-offs
• 200,000 AED capital locked
• You handle insurance & registration
221,000 AED
🏦 Credit
Down payment40,000 AED
Monthly EMI × 24168,000 AED
Insurance (separate)14,000 AED
Registration (separate)3,000 AED
Processing fee1,500 AED
Early payoff penalty3,200 AED
Pros
✓ Lower monthly EMI
✓ Ownership from day 1
Trade-offs
• ⚠ Reduces AECB credit limit
• Hidden costs not in EMI
• 2-4 weeks approval
229,700 AED
📋 Lease
Down payment40,000 AED
Monthly (all-in) × 24185,600 AED
InsuranceIncluded
RegistrationIncluded
Early payoff penaltyAED 0
Pros
✓ ✓ No AECB impact
✓ All-inclusive
✓ 24h approval
✓ No penalties
Trade-offs
• Higher monthly than EMI
• 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 — your full mortgage capacity is preserved.
Read: How Car Loans Affect Your Mortgage →Illustrative estimates. Insurance rates, bank terms, and lease tariffs vary by vehicle, client profile, and market conditions. Contact us for an exact quote.