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
Lease296,808 AED
Monthly: 10,296 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
Initial payment (payment #1)40,000 AED
Monthly (lease) × 23236,808 AED
Annual fees (ins. + reg. + admin) × 210,000 AED/yr
Early payoff penaltyAED 0
Pros
No AECB impact
Transparent pricing
Decision in 24h
No penalties
Trade-offs
• Higher monthly than EMI
• Ownership at contract end
296,808 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.