25 · The Legends debt desk

Test how fast extra cash could reduce the mortgage.

Compare the contract schedule, a monthly overpayment and a combined lump-sum plan—without hiding fees or the effect on your reserve.

Published property

Quick strategy starting points

01Mortgage position

Current property value

AED

Outstanding balance

AED

Mortgage rate

Remaining term

years

Target payoff

years

Alternative cash return assumption

02Acceleration & liquidity

Extra monthly payment

AED

Lump sum now

AED

Annual lump sum

AED

Assumed prepayment charge

Total assumed charge cap

AED

Available liquid reserve

AED

Minimum reserve to protect

AED

Essential monthly outgoings

AED

Today’s financing position

Contractual monthly paymentAED 8,857

Current LTV70%

LTV after immediate lump sum65%

Reserve after immediate lump and chargeAED 199,000

Entered reserve remains above the protected minimum.

Payoff goal & liquidity signals

Entered plan reaches the target144 monthsAdditional monthly gap: AED 0

Monthly extra required for targetAED 1,210Extra monthly payment

Maximum modeled lump while protecting reserveAED 148,515Minimum reserve to protect: AED 150,000

Reserve runway after immediate lump8 monthsEssential monthly outgoings: AED 25,000

Share of contract interest saved51%AED 370,055

Modeled foregone return on immediate lumpAED 60,1034% · 12 years

Net advantage after that opportunity costAED 304,111Net interest advantage

Three payoff paths

Contract schedule

Modeled payoff: 240 months
Time saved: No time saved
Total interest: AED 725,702
Gross interest saved: AED 0
Assumed prepayment charges: AED 0
Net interest advantage: AED 0
Extra principal deployed: AED 0

Monthly extra only

Modeled payoff: 177 months
Time saved: 63 months
Total interest: AED 516,715
Gross interest saved: AED 208,987
Assumed prepayment charges: AED 3,520
Net interest advantage: AED 205,467
Extra principal deployed: AED 352,000

Combined plan

Modeled payoff: 133 months
Time saved: 107 months
Total interest: AED 355,647
Gross interest saved: AED 370,055
Assumed prepayment charges: AED 5,840
Net interest advantage: AED 364,215
Extra principal deployed: AED 584,000

Five-year balance ladder

YearContract scheduleMonthly extra onlyCombined plan

1AED 1,355,811AED 1,331,310AED 1,206,716

2AED 1,309,592AED 1,259,464AED 1,109,146

3AED 1,261,249AED 1,184,317AED 1,007,094

4AED 1,210,686AED 1,105,718AED 900,353

5AED 1,157,800AED 1,023,509AED 788,709

Saved only on this device. No identity, bank statement or full financial scenario is stored or sent.

The Legends review

Check the strategy against your bank terms and liquidity plan.

Only the property reference and a short modeled summary carry into the enquiry. The complete local scenario is never sent automatically.

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Illustrative debt-paydown sensitivity tool only—not a mortgage offer, bank quote, approval, valuation, investment recommendation, legal or tax advice. It assumes a constant entered rate, a total entered charge cap and a hypothetical compounded alternative return on the immediate lump sum only. Actual early-settlement caps, per-transaction charges, exemptions, calculation methods, timing, insurance, liquidity needs and investment outcomes must be confirmed with the relevant UAE bank and qualified advisers.