Krzysztof Lewandowski, a Polish national, recently bought an apartment in the Emaar Beachfront project in Dubai for Dh4.2 million ($1.14 million).
The 37-year-old is an advocate of the Dubai property market having seen attractive returns and significant capital appreciation for other units in his real estate portfolio.
He purchased his first property in Dubai, also in Emaar Beachfront, seven years ago and also owns an apartment each in Dubai Creek Harbour and Jumeirah Lakes Towers. These units have been rented out.
You can buy a three-bedroom apartment in Arjan, a four-bedroom town house in Jumeirah Village Circle and Arabian Ranches, and a five-bedroom town house in Damac Hills for $1 million
Farooq Syed,
Springfield Properties
He also purchased a Dh4.2 million off-plan villa in developer Arada’s Masaar community in Sharjah.
“For $1 million in Warsaw, I could buy a 20-year-old apartment in the city centre and would also have to renovate it. The price appreciation, after all costs and maintenance, would be about 3.3 per cent to 3.5 per cent. That's why I sold two apartments in Warsaw and invested in Dubai instead,” says Mr Lewandowski, who owns a food business in Poland.
“My kids love it in Dubai. It's very safe. The payment plans are also convenient and make the buying process easier. Europe is quite dangerous now especially because of Poland’s geopolitical situation.”
The UAE property market continues to record strong growth on the back of government projects, the expansion of its economy and higher oil prices.
Last year, Dubai registered a 17 per cent annual increase in real estate transactions to 1.6 million across market segments, according to data from the Dubai Land Department.
Last year, the value of real estate deals in the emirate reached Dh634 billion, an annual growth of 20 per cent.
Mr Lewandowski says properties of comparable specifications and quality are not available in Europe for $1 million.
“Similar units with private beach access in Spain or France aren’t readily available and would be worth between €5 million ($5.4 million) and €15 million,” he says.
“In Europe, a developer buys a plot, builds and forgets about it. Also, most apartment buildings in Europe do not have amenities like a pool and gym and the energy and water bills are very high. But here, the master communities are so well-planned.”
He purchased an apartment in Dubai a few years ago for Dh1.6 million, which is currently worth Dh4 million.
For units purchased now, buyers can receive returns above 7 per cent, while for older units, they can get a 15 per cent return on investment, Mr Lewandowski says.
“We always buy property in Dubai hoping to live in it. But when we see the price appreciation, we rent it out because you make such good money that you can live in hotels and pay for it,” he adds.
What different salary brackets can afford
An applicant with a monthly salary of Dh50,000 can consider buying property close to $1 million, which requires an upfront contribution of 20 per cent down payment and 80 per cent bank finance, according to Rajender Prasad, managing director of mortgage consultancy Money Maestro.
Loan eligibility is subject to various criteria such as profession, income, salaried or self-employed, residential status like UAE resident or non-resident, age and other existing financial obligations like a car loan, personal loan and limit of credit cards.
“For a UAE resident who puts a 20 per cent upfront down payment of $200,000 on a loan tenure of 25 years, your monthly loan instalment will be Dh15,333,” says Farooq Syed, chief executive of real estate advisory and brokerage firm Springfield Properties in Dubai.
“If you do a 25 per cent down payment, the monthly instalment is around Dh14,500 to Dh15,000 per month. Therefore, to buy a property worth $1 million, or Dh3.67 million, you need to have a minimum monthly salary between Dh30,000 and Dh40,000 and no financial commitments like credit cards, personal loans or car loans.”
However, couples can combine their salaries, along with the required down payment, to become eligible for property ownership within this price range, according to Suchiit Odhrranii, senior client manager at real estate agency Betterhomes.
Higher salaries can result in more favourable financing options from banks, subject to thorough assessments of credit scores, he says.
“For properties worth Dh2 million, the down payment would be Dh400,000 with monthly payments of Dh8,349. To comfortably afford this, a monthly salary between Dh25,000 to Dh30,000 would be ideal,” says Lewis Allsopp, chairman of real estate agency Allsopp & Allsopp.
“If a buyer is looking at a property worth Dh1 million, the minimum down payment would be Dh200,000 with monthly instalments of Dh4,175. A minimum salary of Dh15,000 to Dh20,000 would be needed.”
What’s the down payment to buy a property worth $1 million?
If the buyer is a UAE resident, they can typically make a down payment of 20 per cent to 25 per cent and acquire the property through a mortgage, provided that the property is completed and ready for occupancy, according to Mr Odhrranii.
“The down payment required to buy a property worth $1 million can vary, depending on the nature of your profession and the lending institution,” Mr Prasad says.
“Typically, a down payment of 20 per cent is common, which would amount to $200,000, or Dh734,500, for a $1 million property. Some lenders may help with associated cost finance, which can cover transfer duties and real estate brokerage to support the lower down payment.”
It’s important to keep in mind other fees outside of the down payment, such as the 4 per cent Dubai Land Department fee, 2 per cent broker fee, and other ancillary charges on mortgage registration fees, movers and so on, Mr Allsopp explains.
If you buy off-plan from a developer, most require either 10 per cent or 20 per cent down payment.
Developers offer payment plans that are spread across the development stages of the property until the customer receives the keys upon completion.
What properties can you buy in Dubai for $1 million?
With a budget of $1 million, buyers can acquire a range of properties in various communities in Dubai, according to real estate agents.
You can buy a three-bedroom apartment in Arjan, a four-bedroom town house in areas like Jumeirah Village Circle and Arabian Ranches, and a five-bedroom town house in Damac Hills for $1 million, Mr Syed says.
Or you can buy a four-bedroom semi-detached villa with more square footage in Emaar South for $1 million, he says.
If you want to buy apartments, you can get three-bedroom units in areas like Dubai Creek Harbour and Dubai Hills Estate in this price range, he adds.
“This budget allows for options like two-bedroom units in areas such as Dubai Marina, Downtown and Dubai Creek Harbour, or town houses in prestigious communities like Arabian Ranches 3, Mudon, California Village, The Valley, Emaar South, and more,” Betterhomes’ Mr Odhrranii says.
For a UAE resident who puts a 20 per cent down payment of $200,000 on a loan tenure of 25 years, your monthly loan instalment will be Dh15,333
Farooq Syed,
chief executive, Springfield Properties
Buyers looking at properties in the city centre hotspots such as Downtown Dubai, Dubai Marina, Business Bay and Jumeirah Beach Residence can secure a studio, one-bed, or two-bed apartment for $1 million, according to Mr Allsopp.
For those looking for properties in suburban residential areas, buyers can look at purchasing apartments, town houses and villas in areas such as JVC, Damac Hills 1 and 2, Motor City and Sports City. These communities usually offer studios to four-bedroom apartments and three- to four-bedroom town houses within this price range.
“Where buyers can get the best value for money is in off-plan units with flexible payment plans. Off-plan units are usually more affordable than ready units with longer payment terms,” Mr Allsopp says.
What could you buy for $1 million before the property boom?
Before the market’s price activity in the past few years, $1 million could get buyers larger properties in different areas across Dubai.
As of April, property prices in Dubai reached a record high, surpassing the previous peak from September 2014, according to data from Allsopp & Allsopp.
The average square feet price now stands at Dh1,351, marking a trend of 38 consecutive months of price growth, the data shows.
Before the property boom, you could buy a stand-alone villa for $1 million, according to Mr Syed from Springfield Properties.
“Now, with the same budget, one might be able to own a town house with three or four bedrooms,” Mr Odhrranii says.
“Alternatively, there were opportunities back then to acquire a three-bedroom apartment in a desirable location within this budget, but today, it may only be feasible to purchase a two-bedroom apartment.”
Despite the significant increase in price per square foot, Dubai remains one of the most affordable cities in comparison to other cities such as London, New York and Paris.
Who is buying property worth $1 million in Dubai?
Customers in the UAE opting to buy properties worth $1 million are typically high-net-worth buyers, expatriates, business owners or foreign investors, according to Mr Prasad.
“They seek luxury amenities, proximity to key locations, high-quality finishes, security features and potential for rental income or appreciation,” he says.
Investors and nuclear families are the primary buyers in this price range, Mr Odhrranii explains.
“Investors seek properties for rental purposes, aiming for a high rental yield,” he says.
“Small or nuclear families prioritise a comfortable living space with sufficient room, which could include a backyard for town houses or apartments situated near their workplaces for convenience.”
The availability of mortgages makes the $1 million price point even more attractive to first-time buyers, according to Mr Allsopp.
The largest buyer pool in this price range is Indians, followed by the South Asian community, while a lot of buyers are also coming from the UK and Europe (Germans, French and Italians), Mr Syed says.
“Indian, Pakistani and South Asian buyers are looking for town houses and villas. If they're younger couples, they're going for areas closer to Downtown like Business Bay and Meydan,” he says.
“Rather than buying a town house, Europeans prefer to buy a one-bedroom apartment for $1 million closer to the beach in Marina or Palm Jumeirah.”
European buyers are less price-sensitive and prefer branded residences. They're a lot more expensive and you get less square footage for the price, Mr Syed says.
South Asian buyers will opt more for space because they have predominantly larger families, They care lesser about the view and more about the size, he says.
Russian buyers prefer to buy beachfront or lagoon-facing properties. You can get a two or three-bedroom lagoon-facing apartment for about $1 million, he says.
Freezer tips
- Always make sure food is completely cool before freezing.
- If you’re cooking in large batches, divide into either family-sized or individual portions to freeze.
- Ensure the food is well wrapped in foil or cling film. Even better, store in fully sealable, labelled containers or zip-lock freezer bags.
- The easiest and safest way to defrost items such as the stews and sauces mentioned is to do so in the fridge for several hours or overnight.
Naga
%3Cp%3E%3Cstrong%3EDirector%3A%C2%A0%3C%2Fstrong%3EMeshal%20Al%20Jaser%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%C2%A0%3C%2Fstrong%3EAdwa%20Bader%2C%20Yazeed%20Almajyul%2C%20Khalid%20Bin%20Shaddad%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%20%3C%2Fstrong%3E4%2F5%3C%2Fp%3E%0A
MATCH INFO
Uefa Champions League, semi-final result:
Liverpool 4-0 Barcelona
Liverpool win 4-3 on aggregate
Champions Legaue final: June 1, Madrid
Company%20profile%20
%3Cp%3E%3Cstrong%3EName%3A%20%3C%2Fstrong%3EElggo%3Cbr%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%20August%202022%3Cbr%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Luma%20Makari%20and%20Mirna%20Mneimneh%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%2C%20UAE%3Cbr%3E%3Cstrong%3ESector%3A%3C%2Fstrong%3E%20Education%20technology%20%2F%20health%20technology%3Cbr%3E%3Cstrong%3ESize%3A%3C%2Fstrong%3E%20Four%20employees%3Cbr%3E%3Cstrong%3EInvestment%20stage%3A%3C%2Fstrong%3E%20Pre-seed%3C%2Fp%3E%0A
Recipe: Spirulina Coconut Brothie
Ingredients
1 tbsp Spirulina powder
1 banana
1 cup unsweetened coconut milk (full fat preferable)
1 tbsp fresh turmeric or turmeric powder
½ cup fresh spinach leaves
½ cup vegan broth
2 crushed ice cubes (optional)
Method
Blend all the ingredients together on high in a high-speed blender until smooth and creamy.
PROFILE OF INVYGO
Started: 2018
Founders: Eslam Hussein and Pulkit Ganjoo
Based: Dubai
Sector: Transport
Size: 9 employees
Investment: $1,275,000
Investors: Class 5 Global, Equitrust, Gulf Islamic Investments, Kairos K50 and William Zeqiri
EA Sports FC 26
Publisher: EA Sports
Consoles: PC, PlayStation 4/5, Xbox Series X/S
Rating: 3/5
What are the influencer academy modules?
- Mastery of audio-visual content creation.
- Cinematography, shots and movement.
- All aspects of post-production.
- Emerging technologies and VFX with AI and CGI.
- Understanding of marketing objectives and audience engagement.
- Tourism industry knowledge.
- Professional ethics.
KEY DEVELOPMENTS IN MARITIME DISPUTE
2000: Israel withdraws from Lebanon after nearly 30 years without an officially demarcated border. The UN establishes the Blue Line to act as the frontier.
2007: Lebanon and Cyprus define their respective exclusive economic zones to facilitate oil and gas exploration. Israel uses this to define its EEZ with Cyprus
2011: Lebanon disputes Israeli-proposed line and submits documents to UN showing different EEZ. Cyprus offers to mediate without much progress.
2018: Lebanon signs first offshore oil and gas licencing deal with consortium of France’s Total, Italy’s Eni and Russia’s Novatek.
2018-2019: US seeks to mediate between Israel and Lebanon to prevent clashes over oil and gas resources.
UAE currency: the story behind the money in your pockets
Benefits of first-time home buyers' scheme
- Priority access to new homes from participating developers
- Discounts on sales price of off-plan units
- Flexible payment plans from developers
- Mortgages with better interest rates, faster approval times and reduced fees
- DLD registration fee can be paid through banks or credit cards at zero interest rates
KINGDOM%20OF%20THE%20PLANET%20OF%20THE%20APES
%3Cp%3E%3Cstrong%3EDirector%3A%3C%2Fstrong%3E%20Wes%20Ball%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%3C%2Fstrong%3E%20Owen%20Teague%2C%20Freya%20Allen%2C%20Kevin%20Durand%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%20%3C%2Fstrong%3E3.5%2F5%3C%2Fp%3E%0A
The National in Davos
We are bringing you the inside story from the World Economic Forum's Annual Meeting in Davos, a gathering of hundreds of world leaders, top executives and billionaires.
The National Archives, Abu Dhabi
Founded over 50 years ago, the National Archives collects valuable historical material relating to the UAE, and is the oldest and richest archive relating to the Arabian Gulf.
Much of the material can be viewed on line at the Arabian Gulf Digital Archive - https://www.agda.ae/en
What are NFTs?
Are non-fungible tokens a currency, asset, or a licensing instrument? Arnab Das, global market strategist EMEA at Invesco, says they are mix of all of three.
You can buy, hold and use NFTs just like US dollars and Bitcoins. “They can appreciate in value and even produce cash flows.”
However, while money is fungible, NFTs are not. “One Bitcoin, dollar, euro or dirham is largely indistinguishable from the next. Nothing ties a dollar bill to a particular owner, for example. Nor does it tie you to to any goods, services or assets you bought with that currency. In contrast, NFTs confer specific ownership,” Mr Das says.
This makes NFTs closer to a piece of intellectual property such as a work of art or licence, as you can claim royalties or profit by exchanging it at a higher value later, Mr Das says. “They could provide a sustainable income stream.”
This income will depend on future demand and use, which makes NFTs difficult to value. “However, there is a credible use case for many forms of intellectual property, notably art, songs, videos,” Mr Das says.
CHATGPT%20ENTERPRISE%20FEATURES
%3Cp%3E%E2%80%A2%20Enterprise-grade%20security%20and%20privacy%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Unlimited%20higher-speed%20GPT-4%20access%20with%20no%20caps%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Longer%20context%20windows%20for%20processing%20longer%20inputs%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Advanced%20data%20analysis%20capabilities%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Customisation%20options%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Shareable%20chat%20templates%20that%20companies%20can%20use%20to%20collaborate%20and%20build%20common%20workflows%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Analytics%20dashboard%20for%20usage%20insights%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Free%20credits%20to%20use%20OpenAI%20APIs%20to%20extend%20OpenAI%20into%20a%20fully-custom%20solution%20for%20enterprises%3C%2Fp%3E%0A
Race card
5pm: Maiden (PA) Dh80,000 1,600m
5.30pm: Maiden (PA) Dh80,000 1,600m
6pm: Arabian Triple Crown Round-2 Group 3 (PA) Dh300,000 2,200m
6.30pm: Liwa Oaisi Group 2 (PA) Dh300,000 1,400m
7pm: Wathba Stallions Cup Handicap (PA) Dh70,000 1,600m
7.30pm: Handicap (TB) Dh100,000 1,600m
The National selections: 5pm: Flit Al Maury, 5.30pm: Sadah, 6pm: RB Seqondtonone, 6.30pm: RB Money To Burn, 7pm: SS Jalmood, 7.30pm: Dalaalaat
Specs
Engine: 51.5kW electric motor
Range: 400km
Power: 134bhp
Torque: 175Nm
Price: From Dh98,800
Available: Now
MATCH INFO
Uefa Champions League final:
Who: Real Madrid v Liverpool
Where: NSC Olimpiyskiy Stadium, Kiev, Ukraine
When: Saturday, May 26, 10.45pm (UAE)
TV: Match on BeIN Sports
Tewellah by Nawal Zoghbi is out now.
The specs: 2018 Nissan 370Z Nismo
The specs: 2018 Nissan 370Z Nismo
Price, base / as tested: Dh182,178
Engine: 3.7-litre V6
Power: 350hp @ 7,400rpm
Torque: 374Nm @ 5,200rpm
Transmission: Seven-speed automatic
Fuel consumption, combined: 10.5L / 100km
School counsellors on mental well-being
Schools counsellors in Abu Dhabi have put a number of provisions in place to help support pupils returning to the classroom next week.
Many children will resume in-person lessons for the first time in 10 months and parents previously raised concerns about the long-term effects of distance learning.
Schools leaders and counsellors said extra support will be offered to anyone that needs it. Additionally, heads of years will be on hand to offer advice or coping mechanisms to ease any concerns.
“Anxiety this time round has really spiralled, more so than from the first lockdown at the beginning of the pandemic,” said Priya Mitchell, counsellor at The British School Al Khubairat in Abu Dhabi.
“Some have got used to being at home don’t want to go back, while others are desperate to get back.
“We have seen an increase in depressive symptoms, especially with older pupils, and self-harm is starting younger.
“It is worrying and has taught us how important it is that we prioritise mental well-being.”
Ms Mitchell said she was liaising more with heads of year so they can support and offer advice to pupils if the demand is there.
The school will also carry out mental well-being checks so they can pick up on any behavioural patterns and put interventions in place to help pupils.
At Raha International School, the well-being team has provided parents with assessment surveys to see how they can support students at home to transition back to school.
“They have created a Well-being Resource Bank that parents have access to on information on various domains of mental health for students and families,” a team member said.
“Our pastoral team have been working with students to help ease the transition and reduce anxiety that [pupils] may experience after some have been nearly a year off campus.
"Special secondary tutorial classes have also focused on preparing students for their return; going over new guidelines, expectations and daily schedules.”
EVIL%20DEAD%20RISE
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Why it pays to compare
A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.
Route 1: bank transfer
The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.
Total cost: Dh567.25 - around 2.9 per cent of the total amount
Total received: €4,670.30
Route 2: online platform
The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.
Total cost: Dh74.10, around 0.4 per cent of the transaction
Total received: €4,756
The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.
RESULTS
5pm Wathba Stallions Cup Maiden (PA) Dh70,000 (Dirt) 1,400m
Winner Munfared, Fernando Jara (jockey), Ahmed Al Mehairbi (trainer)
5.30pm Handicap (PA) Dh70,000 (D) 1,600m
Winner Sawt Assalam, Szczepan Mazur, Ibrahim Al Hadhrami
6pm Maiden (PA) Dh70,000 (D) 1,800m
Winner Dergham Athbah, Pat Dobbs, Mohamed Daggash
6.30pm Handicap (PA) Dh70,000 (D) 1,800m
Winner Rajee, Fernando Jara, Majed Al Jahouri
7pm Conditions (PA) Dh80,000 (D) 1,800m
Winner Kerless Del Roc, Fernando Jara, Ahmed Al Mehairbi
7.30pm Handicap (TB) Dh70,000 (D) 2,000m
Winner Pharoah King, Pat Dobbs, Doug Watson
8pm Conditions (PA) Dh85,000 (D) 2,000m
Winner Sauternes Al Maury, Dane O’Neill, Doug Watson
The Settlers
Director: Louis Theroux
Starring: Daniella Weiss, Ari Abramowitz
Rating: 5/5
What can victims do?
Always use only regulated platforms
Stop all transactions and communication on suspicion
Save all evidence (screenshots, chat logs, transaction IDs)
Report to local authorities
Warn others to prevent further harm
Courtesy: Crystal Intelligence
Company%C2%A0profile
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BlacKkKlansman
Director: Spike Lee
Starring: John David Washington; Adam Driver
Five stars
Who has been sanctioned?
Daniella Weiss and Nachala
Described as 'the grandmother of the settler movement', she has encouraged the expansion of settlements for decades. The 79 year old leads radical settler movement Nachala, whose aim is for Israel to annex Gaza and the occupied West Bank, where it helps settlers built outposts.
Harel Libi & Libi Construction and Infrastructure
Libi has been involved in threatening and perpetuating acts of aggression and violence against Palestinians. His firm has provided logistical and financial support for the establishment of illegal outposts.
Zohar Sabah
Runs a settler outpost named Zohar’s Farm and has previously faced charges of violence against Palestinians. He was indicted by Israel’s State Attorney’s Office in September for allegedly participating in a violent attack against Palestinians and activists in the West Bank village of Muarrajat.
Coco’s Farm and Neria’s Farm
These are illegal outposts in the West Bank, which are at the vanguard of the settler movement. According to the UK, they are associated with people who have been involved in enabling, inciting, promoting or providing support for activities that amount to “serious abuse”.
Charlotte Gainsbourg
Rest
(Because Music)
'The worst thing you can eat'
Trans fat is typically found in fried and baked goods, but you may be consuming more than you think.
Powdered coffee creamer, microwave popcorn and virtually anything processed with a crust is likely to contain it, as this guide from Mayo Clinic outlines:
Baked goods - Most cakes, cookies, pie crusts and crackers contain shortening, which is usually made from partially hydrogenated vegetable oil. Ready-made frosting is another source of trans fat.
Snacks - Potato, corn and tortilla chips often contain trans fat. And while popcorn can be a healthy snack, many types of packaged or microwave popcorn use trans fat to help cook or flavour the popcorn.
Fried food - Foods that require deep frying — french fries, doughnuts and fried chicken — can contain trans fat from the oil used in the cooking process.
Refrigerator dough - Products such as canned biscuits and cinnamon rolls often contain trans fat, as do frozen pizza crusts.
Creamer and margarine - Nondairy coffee creamer and stick margarines also may contain partially hydrogenated vegetable oils.
