Buyer tools
Set your own assumptions for rent, mortgage and price growth, and see the cash flow, resale value and return, with slower and faster scenarios side by side.
Gross yield: 6.0%
100% means buying with cash and no mortgage.
Yearly rate on the financing. Ask your bank for its offer.
Your own assumption, not a forecast. Compare the slower and faster scenarios in the results.
Share of the year the home is not rented.
As a share of the property value each year.
5% if you bear the transaction tax, plus fees. Work out your own figure in the purchase cost calculator.
By law the seller owes the 5% transaction tax; agent commission is typically 2.5%.
| Value (SAR) | Profit (SAR) | Return per year | |
|---|---|---|---|
| Slower growth1.0% per year | 1,656,933 | 229,239 | 4.9% |
| Your assumption3.0% per year | 2,015,875 | 553,748 | 9.5% |
| Faster growth5.0% per year | 2,443,342 | 940,800 | 13.4% |
Gross rental yield is the yearly rent divided by the purchase price. Rent of SAR 90,000 on a SAR 1,500,000 home is a 6% gross yield. Net yield subtracts running costs and empty months before dividing.
Yield looks only at the rent a property earns compared with its price. Return on investment also counts the change in the property's value, the mortgage and the costs of buying and selling, measured against the cash you actually put in.
No. It applies the yearly price growth you enter and shows a slower and a faster case two percentage points either side. Real values depend on the location, the market and the time you sell, and can fall as well as rise.
On buying, the 5% real estate transaction tax if you bear it, plus any agent or financing fees. On selling, the seller owes the 5% transaction tax by law and agent commission is typically 2.5%. The calculator uses 5% and 7.5% as starting points that you can change.
A smaller down payment means less cash invested, so the same profit is a larger percentage of it. It also adds monthly payments that can exceed the rent. If the property grows more slowly than your mortgage rate, borrowing lowers the return.
See ZOOD homes in North Riyadh, or talk to our sales team.