Property Investment
Calculators
Free, interactive tools to analyze rental yields, calculate costs, model mortgage payments, and compare investment scenarios for Oman property.
Rental Yield Calculator
Calculate gross and net rental yields including service charges, vacancy, and management costs.
All-In Cost Calculator
Understand the true cost of buying property including registration fees, broker costs, and VAT.
Mortgage Affordability Calculator
Calculate your borrowing capacity, monthly payments, and debt-to-income ratio for Oman mortgages.
ROI Comparison Calculator
Compare two investment scenarios side-by-side including financing, rental income, and capital appreciation.
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Rental Yield Calculator
Calculate both gross and net rental yields for any property. Accounts for vacancy, service charges, and management fees.
Interactive calculator
Gross and net rental yield
Use conservative vacancy and cost assumptions. If the numbers only work with 0% vacancy, it is not robust.
Gross yield
7.20%
Annual rent divided by purchase price
Net yield
4.73%
After vacancy and operating costs
Annual model
Inputs
Calculator 2 of 4
All-In Cost Calculator
Understand the true total cost of purchasing property in Oman including the 3% registration fee, broker commission, legal fees, and VAT.
Interactive calculator
All-in purchase cost estimate
Adjust assumptions to match your deal. Defaults are budgeting placeholders. Verify your exact tax and fee treatment with your advisor for your specific transaction.
Example: 2000000
Estimated add ons
OMR 11,775
Taxes and fees (excluding the property price)
Estimated all in total
OMR 211,775
Price + selected taxes and fees
Line items
Assumptions
As of Dec 2025, RETT (Stamp Duty) is 3% for property transactions. Confirm exemptions and treatment for your deal.
Brokerage is deal dependent and negotiable. In many markets, it is often around 2% to 2.5% (verify in your purchase agreement).
Budgeting placeholder for contract review and documentation. Many buyers budget something like OMR 5,000 to OMR 25,000+, depending on complexity and advisor. Verify scope and pricing.
As of Dec 2025, VAT is 5%. Residential property sales and leases are generally exempt; VAT applies to commercial transactions and professional services.
Calculator 3 of 4
Mortgage Affordability Calculator
Calculate your borrowing capacity based on income and existing debt. See monthly payments, debt-to-income ratio, and maximum recommended property price.
Financial Planning
Mortgage Affordability Calculator
Calculate your borrowing capacity and monthly payments for Oman property financing.
Comfortable
Your debt-to-income ratio is healthy. Banks typically approve loans up to 40-45% DTI.
Monthly Payment
OMR 722
Principal + interest only
Debt-to-Income
34.1%
Target: below 40%
Loan Breakdown
Based on your income
With a 40% debt-to-income target, your maximum recommended property price is approximately OMR 186,908 (loan amount: OMR 130,835).
Your Details
Gross monthly salary before deductions
Car loans, credit cards, other obligations
Expats typically require 30% minimum (70% LTV max)
Current Oman rates: ~5-7% for expats
Maximum typically 25 years
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ROI Comparison Calculator
Compare two investment scenarios side-by-side. Analyze cash vs financed purchases, different property types, and holding periods to find the best opportunity.
Investment Analysis
ROI Comparison Calculator
Compare two investment scenarios side-by-side. Analyze cash vs financed purchases across different properties.
Scenario A
Scenario B
Scenario A Results
Scenario B Results
Better ROI* Calculations are estimates for comparison purposes only. Actual returns depend on market conditions, vacancies, and management. Rental income assumes 8% vacancy and OMR 2,000 annual service charges. Exit costs assume 3% agent commission.
Ready to Invest?
Now that you've run the numbers, browse available properties or speak with our advisory team for personalized guidance.