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
Ali Hamad is a university registrar at the American University in the Emirates and one of the earliest homeowners in emerging Sharjah Sustainable City.
A Jordanian born in Sharjah and raised in Al Ain, the father of two is grateful he took his first plunge into property ownership after securing a great off-plan deal.
The three-bedroom house is conveniently located for Mr Hamad and his wife, Rana Harb, who works at the same university, to commute to Dubai Academic City.
It also offers plenty of space for their daughters, aged four and 18 months, to play.
Sharjah Sustainable City is the net-zero-inspired sister project of Dubai Sustainable City located in Al Rahmaniya.
It spans 668,902 square metres and will eventually house about 1,250 villas.
Mr Hamad, 39, took The National on a tour of the family home.
What are the details of your villa?
It's a three-bedroom, four bathroom middle-unit house spanned over 2,100 square feet.
We have a closed kitchen which is an advantage if you have guests and want to cook, as well as a maid's bedroom.
There's also shaded parking for two cars and a decent-sized garden.
What prompted you to buy?
Based on family and friends’ experience, at some point it’s a very good idea to put the money that you pay for rent into a property that you own.
My father said with the money he paid for rent over the past 40 or 50 years, he could have easily bought maybe two to three units. I didn’t really want to repeat the same mistake.
How did you choose this villa?
We started looking for a property in 2019 right before Covid. We wrote down our expectations and the factors that would help us choose the correct one because the UAE market is huge and has wide variety.
During the construction period, the developer's website has a live update feature. There is a camera located on site so you can see the property's progress.
The camera was located right next to my unit so I could watch the construction week by week and take screenshots.
Where did you live previously?
We've been living in Sharjah, close to my wife's family, since we got married seven years ago.
We were in Al Majaz, renting a two-bedroom apartment in the heart of the busy city centre next to the lake.
When we lived there it used to take around 90 minutes to get home from work.
What made you select this area?
We heard about the community because my wife’s friend was filming the area for social media.
One of the key factors was the distance from work and the location of the community. We wanted to stay close to my wife’s parents’ house and avoid crazy traffic jams.
We are close to both Mohammed bin Zayed Road and Emirates Road, about 40km from the university where we work. In normal traffic, it would take 35 minutes to get home.
How was the buying process?
We went to the sales office. There was a complete set of show villas ready with appliances, so it made it easier for us to choose.
They had a very flexible payment plan before the handover.
Initially, I didn't know about Dubai's Sustainable City but then I read a lot of positive reviews.
When they started handing over the first phase of Sharjah Sustainable City, we moved there. I was among the very first group of owners who received their unit in September 2022.
What other advantages are there to the community?
Privacy and for us that's important. If you are in your bedroom, no one is able to see you directly.
The villas are constructed in a way that respects the privacy of residents in the community.
There is a visitor parking as well, within walking distance from my villa.
Now that phase one is finished, some facilities are open including gyms – one for males and another for females – a swimming pool, a common area and a small supermarket.
Once all four phases are completed, there is a plan to have a shopping centre and a community centre. A green spine will connect the phases together. There will also be farming in the community.
I have a mall 10 minutes from my house, another that’s 15 minutes away. Both have a hypermarket, a clinic, a cinema, a play area and a food court.
I’m also very close to Sharjah Airport where there are direct flights to Amman, Jordan.
Is it a sociable address?
The community is quiet and the neighbours are really nice, very friendly.
The management organise a lot of activities that keep us and the kids busy.
They are promoting a sustainable lifestyle, so they have workshops about farming. There is one on how to turn your food waste into fertiliser, and we had a workshop about how to make pasta, where they brought in an Italian chef.
They’re always keeping us updated via an application. There was an outdoor cinema for kids.
I feel like it really is home here.
How have you personalised the property?
This villa came with all the appliances and the finishing was really good.
I love gardening so one of the first things I did when I got my unit was landscape, buy plants and trees and prepare a small barbecue area. I covered some walls with bricks.
I bought a tent and I’ve done camping for my daughters in the garden.
One of the rooms is now a play room, so they can enjoy indoors as well.
I love wood since it gives a touch of warmth, so I replaced the entire ground floor with parquet flooring. I also bought stone from the Jordanian mountains and put it in the living room in two columns surrounding the TV.
We’re going to do things step by step as we consider this our life home.
What is your property worth now?
I bought it for Dh1.3m in 2020. I think they’re selling phase three or four [of the community], the same unit type, for Dh1.6m or Dh1.75m, if I’m not mistaken.
The difference between our rent and the mortgage payments is around Dh2,000 a month more with the mortgage.
However, I'm investing in my house as it's an asset. It's a lifelong investment.
Is it a forever home?
We're not planning to sell – I bought this house to live in with my family.
It was maybe one of the wisest decisions of my life.
In the future we might buy another property in Dubai for investment purposes and then rent that out.
More from Neighbourhood Watch:
In numbers
- Number of children under five will fall from 681 million in 2017 to 401m in 2100
- Over-80s will rise from 141m in 2017 to 866m in 2100
- Nigeria will become the world’s second most populous country with 791m by 2100, behind India
- China will fall dramatically from a peak of 2.4 billion in 2024 to 732 million by 2100
- an average of 2.1 children per woman is required to sustain population growth
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.
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What vitamins do we know are beneficial for living in the UAE
Vitamin D: Highly relevant in the UAE due to limited sun exposure; supports bone health, immunity and mood.
Vitamin B12: Important for nerve health and energy production, especially for vegetarians, vegans and individuals with absorption issues.
Iron: Useful only when deficiency or anaemia is confirmed; helps reduce fatigue and support immunity.
Omega-3 (EPA/DHA): Supports heart health and reduces inflammation, especially for those who consume little fish.
Real estate tokenisation project
Dubai launched the pilot phase of its real estate tokenisation project last month.
The initiative focuses on converting real estate assets into digital tokens recorded on blockchain technology and helps in streamlining the process of buying, selling and investing, the Dubai Land Department said.
Dubai’s real estate tokenisation market is projected to reach Dh60 billion ($16.33 billion) by 2033, representing 7 per cent of the emirate’s total property transactions, according to the DLD.
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Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
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The finalists
Player of the Century, 2001-2020: Cristiano Ronaldo (Juventus), Lionel Messi (Barcelona), Mohamed Salah (Liverpool), Ronaldinho
Coach of the Century, 2001-2020: Pep Guardiola (Manchester City), Jose Mourinho (Tottenham Hotspur), Zinedine Zidane (Real Madrid), Sir Alex Ferguson
Club of the Century, 2001-2020: Al Ahly (Egypt), Bayern Munich (Germany), Barcelona (Spain), Real Madrid (Spain)
Player of the Year: Cristiano Ronaldo, Lionel Messi, Robert Lewandowski (Bayern Munich)
Club of the Year: Bayern Munich, Liverpool, Real Madrid
Coach of the Year: Gian Piero Gasperini (Atalanta), Hans-Dieter Flick (Bayern Munich), Jurgen Klopp (Liverpool)
Agent of the Century, 2001-2020: Giovanni Branchini, Jorge Mendes, Mino Raiola
Call of Duty: Black Ops 6
Developer: Treyarch, Raven Software
Publisher: Activision
Console: PlayStation 4 & 5, Windows, Xbox One & Series X/S
Rating: 3.5/5
THE BIO
Family: I have three siblings, one older brother (age 25) and two younger sisters, 20 and 13
Favourite book: Asking for my favourite book has to be one of the hardest questions. However a current favourite would be Sidewalk by Mitchell Duneier
Favourite place to travel to: Any walkable city. I also love nature and wildlife
What do you love eating or cooking: I’m constantly in the kitchen. Ever since I changed the way I eat I enjoy choosing and creating what goes into my body. However, nothing can top home cooked food from my parents.
Favorite place to go in the UAE: A quiet beach.
What is dialysis?
Dialysis is a way of cleaning your blood when your kidneys fail and can no longer do the job.
It gets rid of your body's wastes, extra salt and water, and helps to control your blood pressure. The main cause of kidney failure is diabetes and hypertension.
There are two kinds of dialysis — haemodialysis and peritoneal.
In haemodialysis, blood is pumped out of your body to an artificial kidney machine that filter your blood and returns it to your body by tubes.
In peritoneal dialysis, the inside lining of your own belly acts as a natural filter. Wastes are taken out by means of a cleansing fluid which is washed in and out of your belly in cycles.
It isn’t an option for everyone but if eligible, can be done at home by the patient or caregiver. This, as opposed to home haemodialysis, is covered by insurance in the UAE.
Tell-tale signs of burnout
- loss of confidence and appetite
- irritability and emotional outbursts
- sadness
- persistent physical ailments such as headaches, frequent infections and fatigue
- substance abuse, such as smoking or drinking more
- impaired judgement
- excessive and continuous worrying
- irregular sleep patterns
Tips to help overcome burnout
Acknowledge how you are feeling by listening to your warning signs. Set boundaries and learn to say ‘no’
Do activities that you want to do as well as things you have to do
Undertake at least 30 minutes of exercise per day. It releases an abundance of feel-good hormones
Find your form of relaxation and make time for it each day e.g. soothing music, reading or mindful meditation
Sleep and wake at the same time every day, even if your sleep pattern was disrupted. Without enough sleep condition such as stress, anxiety and depression can thrive.
Who's who in Yemen conflict
Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government
Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council
Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south
Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory