My Own Home takes you inside a reader-owned property to ask how much they paid, why they decided to buy and what they have done with it since moving in
When Misbah Baig and her husband Nitish Verma received an eviction notice it prompted them to buy their own villa.
The couple, both aged 35 and originally from India, moved into a newly-built property on Damac Hills estate last June after making some upgrades.
Ms Baig, a crypto exchange consultant, and her husband, who works in IT sales, share the house with their three-year-old son, their live-in nanny, and four cats.
Ms Baig showed The National around their home.
Please tell us about your villa
We have five bedrooms – one downstairs and the rest upstairs – that was one of the criteria because we have parents who visit and they’re getting older.
Each bedroom has its own bathroom. Plus the maid’s room has a bathroom.
We have a living room with a dining area. There’s a closed kitchen, which we wanted because we do a lot of cooking which is quite aromatic.
We have a smaller living room upstairs that we use as a study and TV lounge.
We have one electric car so we have had a charging point installed and two parking spaces, which are covered.
We also have enough space in front of the house to park around six cars because we sit back from the street.
What prompted you to buy this property?
We were renting a four-bedroom villa in Arabian Ranches 2 during Covid. At that point the rents were really low, but about two years in we were served notice. The landlady wanted to increase the rent by more than Dh100,000 and when we didn’t agree she served us notice that she was going to sell.
That’s when we decided to buy a house.
It was always the plan, but that pushed us to expedite it. The rent was just too high, almost double what we were going to pay, and it didn’t make sense to spend so much on a rented property.
We had to extend the contract by a couple of months, but we didn’t pay the amount she asked.
It’s frustrating to be kind of bullied into leaving by an exorbitant increase, but we did the calculation between paying rent and a mortgage and found that it was easier.
How much did your home cost?
We got a good deal because it was a bit of a distress sale.
We negotiated quite well as the person selling had to sell fast, so they came down in price. We bought it for Dh5.25 million.
We bought last year in March. In April, we started renovations, which took two and a half months. Then we moved in.
About Dh6.5 million is the lowest price for the same villa type right now, not upgraded.
What made you select this area?
In the past we’ve always lived where we worked, but with the pandemic we shifted out to the suburbs.
We lived in Arabian Ranches 2 when we first had our child and found that we gravitated towards a place that was better for family rather than work.
Plus, my husband's work is not in one location because he travels a lot.
I work from home and we also have a lot of friends who live around here.
What drew you to this villa?
We really loved all the communities that were near Arabian Ranches 2 and we wanted a place that was close to my son’s school.
I chose this house because of the light, the layout, and size – it has big bedrooms.
It’s a very modern development, which I was looking for. It’s a single row, so we don’t face any neighbours, and it is super convenient to get in and out, with multiple exits which make life easy in the morning.
Where else have you lived?
The majority of the time we were in Discovery Gardens, and then we shifted to JLT [Jumeirah Lakes Towers].
We have a three-bedroom apartment at Al Andalus, in Jumeirah Golf Estates, that we bought off-plan in 2017, so we lived there for a while.
When we had our son, we thought: “Let’s try a villa.”
Al Andalus was not great with a child and during the pandemic we felt a little isolated. It didn’t have much around, although now it’s a great area with lots of things.
During the pandemic rents were low – that’s when we went to Arabian Ranches.
What home improvements have you made?
We didn’t make structural changes, but we did renovate the master bathroom. We completely gutted it and redid the whole configuration.
The rest was quite cosmetic.
For the kitchen, we painted cabinets and put in a splashback and added storage.
We changed one room into a walk-in closet – so a lot of carpentry work.
We got a lot of storage put in, because for a house of this size there was very little. We did a bit of lighting work, added a security system with some automated doors, and painted.
We did the backyard; a pergola-shaded barbecue area, and some turfing and tiling. And we upgraded waterproofing on the roof.
Al Andalus was our first renovation, a very small one, like an introduction. Essentially, we did lighting and extra storage and were able to paint walls for the first time.
But that piqued my interest towards interiors and interior design.
What facilities are available?
It’s a five-minute walk to Damac Hills Park, which is beautiful.
It has a petting zoo, Malibu Beach pool, which is amazing, a barbecue area and a kids' play area, lots of space to run around. You have lakes with ducks.
It’s also a 10-minute walk to Mudon Community Centre, which has a nursery, restaurants, a Geant supermarket, and Mudon Park as well.
We can walk to Trump golf course, its clubhouse, Damac Hills Community Centre with the gym and restaurants, and now there’s Damac Hills Mall.
What advantages are there to owning versus renting?
It was cheaper to pay the mortgage. The way rents were rising, we were terrified of what we would have to pay next.
We had two choices: either downgrade or go back to living in an apartment, because we were not going to pay so much rent.
We were paying Dh165,000 for a four-bed villa, and then they wanted Dh300,000. It just seemed crazy.
We found a good house for what we felt was a very good price.
We’ve been here [in the UAE] more than half our lives. I came with my family.
We felt like it was the right time to put down roots so that our children grow up in one house, have that base and we don’t have to keep shifting.
We had invested in Dubai before and felt quite positive about it.
We would pay around Dh450,000 [to rent this house] now.
Do you plan to buy more property?
We feel like Dubai is a great place to invest.
We’ll probably buy more for investment, maybe apartments, ideally have a few rental properties as a second source of income.
The prices right now make it hard to buy anything, though.
Europe's top EV producers
- Norway (63% of cars registered in 2021)
- Iceland (33%)
- Netherlands (20%)
- Sweden (19%)
- Austria (14%)
- Germany (14%)
- Denmark (13%)
- Switzerland (13%)
- United Kingdom (12%)
- Luxembourg (10%)
Source: VCOe
Our family matters legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
MO
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The specs
Engine: 2.0-litre 4-cylinder turbo
Power: 240hp at 5,500rpm
Torque: 390Nm at 3,000rpm
Transmission: eight-speed auto
Price: from Dh122,745
On sale: now
UAE currency: the story behind the money in your pockets
ULTRA PROCESSED FOODS
- Carbonated drinks, sweet or savoury packaged snacks, confectionery, mass-produced packaged breads and buns
- Margarines and spreads; cookies, biscuits, pastries, cakes, and cake mixes, breakfast cereals, cereal and energy bars
- Energy drinks, milk drinks, fruit yoghurts and fruit drinks, cocoa drinks, meat and chicken extracts and instant sauces
- Infant formulas and follow-on milks, health and slimming products such as powdered or fortified meal and dish substitutes
- Many ready-to-heat products including pre-prepared pies and pasta and pizza dishes, poultry and fish nuggets and sticks, sausages, burgers, hot dogs, and other reconstituted meat products, powdered and packaged instant soups, noodles and desserts
U19 WORLD CUP, WEST INDIES
UAE group fixtures (all in St Kitts)
Saturday 15 January: v Canada
Thursday 20 January: v England
Saturday 22 January: v Bangladesh
UAE squad
Alishan Sharafu (captain), Shival Bawa, Jash Giyanani, Sailles Jaishankar, Nilansh Keswani, Aayan Khan, Punya Mehra, Ali Naseer, Ronak Panoly, Dhruv Parashar, Vinayak Raghavan, Soorya Sathish, Aryansh Sharma, Adithya Shetty, Kai Smith
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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.
Pakistan v New Zealand Test series
Pakistan: Sarfraz (c), Hafeez, Imam, Azhar, Sohail, Shafiq, Azam, Saad, Yasir, Asif, Abbas, Hassan, Afridi, Ashraf, Hamza
New Zealand: Williamson (c), Blundell, Boult, De Grandhomme, Henry, Latham, Nicholls, Ajaz, Raval, Sodhi, Somerville, Southee, Taylor, Wagner
Umpires: Bruce Oxerford (AUS) and Ian Gould (ENG); TV umpire: Paul Reiffel (AUS); Match referee: David Boon (AUS)
Tickets and schedule: Entry is free for all spectators. Gates open at 9am. Play commences at 10am
UAE currency: the story behind the money in your pockets
Indoor cricket in a nutshell
Indoor Cricket World Cup - Sep 16-20, Insportz, Dubai
16 Indoor cricket matches are 16 overs per side
8 There are eight players per team
9 There have been nine Indoor Cricket World Cups for men. Australia have won every one.
5 Five runs are deducted from the score when a wickets falls
4 Batsmen bat in pairs, facing four overs per partnership
Scoring In indoor cricket, runs are scored by way of both physical and bonus runs. Physical runs are scored by both batsmen completing a run from one crease to the other. Bonus runs are scored when the ball hits a net in different zones, but only when at least one physical run is score.
Zones
A Front net, behind the striker and wicketkeeper: 0 runs
B Side nets, between the striker and halfway down the pitch: 1 run
C Side nets between halfway and the bowlers end: 2 runs
D Back net: 4 runs on the bounce, 6 runs on the full
Election pledges on migration
CDU: "Now is the time to control the German borders and enforce strict border rejections"
SPD: "Border closures and blanket rejections at internal borders contradict the spirit of a common area of freedom"
Results
Male 51kg Round 1
Dias Karmanov (KAZ) beat Mabrook Rasea (YEM) by points 2-1.
Male 54kg Round 1
Yelaman Sayassatov (KAZ) beat Chen Huang (TPE) TKO Round 1; Huynh Hoang Phi (VIE) beat Fahad Anakkayi (IND) RSC Round 2; Qais Al Jamal (JOR) beat Man Long Ng (MAC) by points 3-0; Ayad Albadr (IRQ) beat Yashar Yazdani (IRI) by points 2-1.
Male 57kg Round 1
Natthawat Suzikong (THA) beat Abdallah Ondash (LBN) by points 3-0; Almaz Sarsembekov (KAZ) beat Ahmed Al Jubainawi (IRQ) by points 2-1; Hamed Almatari (YEM) beat Nasser Al Rugheeb (KUW) by points 3-0; Zakaria El Jamari (UAE) beat Yu Xi Chen (TPE) by points 3-0.
Men 86kg Round 1
Ahmad Bahman (UAE) beat Mohammad Al Khatib (PAL) by points 2-1
Men 63.5kg Round 1
Noureddin Samir (UAE) beat Polash Chakma (BAN) RSC Round 1.
Female 45kg quarter finals
Narges Mohammadpour (IRI) beat Yuen Wai Chan (HKG) by points.
Female 48kg quarter finals
Szi Ki Wong (HKG) beat Dimple Vaishnav (IND) RSC round 2; Thanawan Thongduang (THA) beat Nastaran Soori (IRI) by points; Shabnam Hussain Zada (AFG) beat Tzu Ching Lin (TPE) by points.
Female 57kg quarter finals
Nguyen Thi Nguyet (VIE) beat Anisha Shetty (IND) by points 2-1; Areeya Sahot (THA) beat Dana Al Mayyal (KUW) RSC Round 1; Sara Idriss (LBN) beat Ching Yee Tsang (HKG) by points 3-0.
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More from Neighbourhood Watch:
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
UAE currency: the story behind the money in your pockets
Killing of Qassem Suleimani
Killing of Qassem Suleimani
High profile Al Shabab attacks
- 2010: A restaurant attack in Kampala Uganda kills 74 people watching a Fifa World Cup final football match.
- 2013: The Westgate shopping mall attack, 62 civilians, five Kenyan soldiers and four gunmen are killed.
- 2014: A series of bombings and shootings across Kenya sees scores of civilians killed.
- 2015: Four gunmen attack Garissa University College in northeastern Kenya and take over 700 students hostage, killing those who identified as Christian; 148 die and 79 more are injured.
- 2016: An attack on a Kenyan military base in El Adde Somalia kills 180 soldiers.
- 2017: A suicide truck bombing outside the Safari Hotel in Mogadishu kills 587 people and destroys several city blocks, making it the deadliest attack by the group and the worst in Somalia’s history.
Lexus LX700h specs
Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor
Power: 464hp at 5,200rpm
Torque: 790Nm from 2,000-3,600rpm
Transmission: 10-speed auto
Fuel consumption: 11.7L/100km
On sale: Now
Price: From Dh590,000
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Global state-owned investor ranking by size
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China
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UAE
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Japan
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Norway
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Canada
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Singapore
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Ferrari 12Cilindri specs
Engine: naturally aspirated 6.5-liter V12
Power: 819hp
Torque: 678Nm at 7,250rpm
Price: From Dh1,700,000
Available: Now
Tips for taking the metro
- set out well ahead of time
- make sure you have at least Dh15 on you Nol card, as there could be big queues for top-up machines
- enter the right cabin. The train may be too busy to move between carriages once you're on
- don't carry too much luggage and tuck it under a seat to make room for fellow passengers
Results:
Men's 100m T34: 1. Walid Ktila (TUN) 15 sec; 2. Rheed McCracken (AUS) 15.40; 3. Mohammed Al Hammadi (UAE) 15.75. Men's 400m T34: 1. Walid Ktila (TUN) 50.56; 2. Mohammed Al Hammadi (UAE) 50.94; 3. Henry Manni (FIN) 52.24.
Killing of Qassem Suleimani
Pad Man
Dir: R Balki
Starring: Akshay Kumar, Sonam Kapoor, Radhika Apte
Three-and-a-half stars
What went into the film
25 visual effects (VFX) studios
2,150 VFX shots in a film with 2,500 shots
1,000 VFX artists
3,000 technicians
10 Concept artists, 25 3D designers
New sound technology, named 4D SRL
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The White Lotus: Season three
Creator: Mike White
Starring: Walton Goggins, Jason Isaacs, Natasha Rothwell
Rating: 4.5/5
THE SPECS – Honda CR-V Touring AWD
Engine: 2.4-litre 4-cylinder
Power: 184hp at 6,400rpm
Torque: 244Nm at 3,900rpm
Transmission: Continuously Variable Transmission (CVT)
0-100kmh in 9.4 seconds
Top speed: 202kmh
Fuel consumption: 6.8L/100km
Price: From Dh122,900
Fines for littering
In Dubai:
Dh200 for littering or spitting in the Dubai Metro
Dh500 for throwing cigarette butts or chewing gum on the floor, or littering from a vehicle.
Dh1,000 for littering on a beach, spitting in public places, throwing a cigarette butt from a vehicle
In Sharjah and other emirates
Dh500 for littering - including cigarette butts and chewing gum - in public places and beaches in Sharjah
Dh2,000 for littering in Sharjah deserts
Dh500 for littering from a vehicle in Ras Al Khaimah
Dh1,000 for littering from a car in Abu Dhabi
Dh1,000 to Dh100,000 for dumping waste in residential or public areas in Al Ain
Dh10,000 for littering at Ajman's beaches
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