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The practical constraint is how long you may keep the loan before selling or refinancing. A ten-year projection can make one quote look attractive even when an earlier exit changes the result. I would calculate two timelines using the same assumptions. One would run through the full fixed term...

Don’t let the deposit become part of the rent negotiation. Keep records of the unit’s condition and handle any eventual deductions according to the contract and current Dubai requirements. For this renewal, put the proposed rent, effective date and other terms in writing, and verify the...