Separate the property return from the cash committed
Saima’s earlier content discussed different appreciation scenarios for apartments and townhouses. The figures below are deliberately hypothetical. They do not establish that either property category will achieve these outcomes.
| Illustration | Apartment | Townhouse |
|---|---|---|
| Purchase price | AED 2,000,000 | AED 5,000,000 |
| Assumed value change | 40% | 70% |
| Illustrative future value | AED 2,800,000 | AED 8,500,000 |
| Gross increase | AED 800,000 | AED 3,500,000 |
| 20% price instalment | AED 400,000 | AED 1,000,000 |
| Gross increase ÷ that instalment | 200% | 350% |
Why the last row is not an investment return promise
The ratio uses only an assumed initial price instalment. It excludes later instalments, transaction charges, finance, holding costs and resale expenses. A sale may require more payments or developer approval, and there may be no buyer at the assumed value. A paper gain cannot be treated as cash available to meet the remaining purchase price.
Compare equal percentage changes as well
At the same 20% rise in value, an AED 2 million property shows AED 400,000 gross growth; an AED 5 million property shows AED 1 million. The larger cash amount reflects more capital invested, not proof of a stronger percentage performance.
The decision depends on the actual property
Compare tenant demand, service and maintenance costs, access, supply, unit quality and exit conditions. Use conservative, base and optimistic scenarios with consistent holding periods and costs.
Illustrative arithmetic based on themes in Saima’s earlier presentations and content discussions. No time horizon or evidence-based forecast is assigned to the hypothetical growth assumptions.