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
Manisha Harbhajun is a homemaker with two children living in the thriving Dubai district of Motor City.
She and her South African husband, Aadil, who are both 41 and run sweets retailer Candy Hearts, bought their two-bedroom apartment just before becoming parents eight years ago.
The couple had become first-time property owners upon getting married and moved into a one-bedroom apartment in the same Uptown Motor City development, shortly after the wedding.
They sold that in 2014 and purchased the two-bedroom unit that remains their home when they realised they would need extra space for son Aarav. He is now aged nine and they also have a daughter, Mahi, aged two.
Ms Harbhajun, an Indian raised in Dubai, took The National on a tour of the family’s property.
Tell us about your apartment
Our home is approximately 1,370 square feet, on the second floor of a low-rise building – with only three floors – overlooking the pool and a huge park.
The rooms are spacious, we have two parking spaces and two storerooms in the basement, which is great for keeping things that are not in everyday use out of sight.
It is a two-bedroom apartment with two-and-a-half bathrooms, a lounge with dining [space] and an open kitchen. The balcony is decent size.
Since the property was developed almost two decades ago, they had a boring brown kitchen. After living in this community for almost 10 years we decided to do up the kitchen to make it look a little brighter and inviting. So in 2020 we decided to wrap the units to our liking.
What facilities do you have?
We have a community pool behind our building, which has a small gym and a function room that can be reserved for small events.
Adjacent to the pool is a huge green area for the kids to play football or cricket. We also have multiple playgrounds around the community with swings, slides etc. We have security assigned to each building and they also patrol the community, so we feel safe letting the kids have their space.
Our floor has four other families with kids around the same age as ours and they are always together, so we have our little community within the community.
What prompted you to buy?
I grew up in Dubai and my husband and I both lived with our families until we got married.
He always wanted to buy instead of renting, because essentially what you pay in rent can be put towards a mortgage, and can sometimes work out the same or cheaper.
We purchased [the one bedroom] in late 2009 and moved in 2010, after our wedding. Having our own space was a dream come true.
How much did your home cost?
We paid Dh600,000 for our one-bedroom apartment, which was a steal at the time when the recession happened.
In 2014 we purchased our two-bedroom for Dh1.58 million, which was a little higher than we wanted to go. But we really liked the unit after seeing several that just didn’t feel right.
We got a good deal on the mortgage and the down payment was not too much because the unit cost was low.
When we sold the one-bedroom unit at a premium it helped with the deposit for the two-bedroom we then purchased.
What attracted you to this apartment?
It was very well maintained when we viewed it. And being on the second floor meant we didn’t get noise from below and had the floor above us shielding us from the direct heat during summer months.
It has an amazing view of the pool and park which was great because we didn’t get any noise from the roads.
The added bonus was we get the morning Sun through the rooms and lounge, which is nice. The unit is also very spacious.
And why Motor City?
My husband was in real estate at the time, managing off-plan projects for developers.
He had three projects in Motor City so he saw the potential the area and community had, and what it could become.
It was a gamble that paid off as Motor City has been voted the best community in Dubai for several years now.
It was difficult for me at first because I was used to the hustle and bustle of Bur Dubai, but now I cannot see myself living anywhere else.
It’s a great place for kids, it has numerous restaurants, coffee shops, a hotel, parks, and many more amazing facilities.
How have you personalised the space?
I love colours, so each room in my apartment, be it a bedroom or living room, has one wall which is painted with different colours.
Our master bedroom wall is purple, the kids' room is yellow, and the living room is blue.
We also updated all the light fittings when we moved in and recently changed all the light and water heater switches to smart switches.
Any financial advantages to owning versus renting?
Mortgage payments are probably equivalent or even sometimes lower than monthly rental payments.
At the end of the day the property is yours and, over time, it will appreciate in value so if you ever choose to sell you can still make money on it.
Rental payments are just money down the drain and when you leave the unit, you have nothing.
What is your place worth now?
The unit value has depreciated over the years due to the supply of apartments in the surrounding areas; I believe it’s around Dh1.4m at the moment.
We have no plans to move or sell so it's not a concern for us.
If we ever move then we will rent it out. Rental returns are good in the UAE if you have the right property.
We did buy a three-bedroom townhouse in Town Square, which has been rented out since handover in 2019.
HIV on the rise in the region
A 2019 United Nations special analysis on Aids reveals 37 per cent of new HIV infections in the Mena region are from people injecting drugs.
New HIV infections have also risen by 29 per cent in western Europe and Asia, and by 7 per cent in Latin America, but declined elsewhere.
Egypt has shown the highest increase in recorded cases of HIV since 2010, up by 196 per cent.
Access to HIV testing, treatment and care in the region is well below the global average.
Few statistics have been published on the number of cases in the UAE, although a UNAIDS report said 1.5 per cent of the prison population has the virus.
SPECS
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COMPANY PROFILE
Initial investment: Undisclosed
Investment stage: Series A
Investors: Core42
Current number of staff: 47
WHAT FANS WILL LOVE ABOUT RUSSIA
FANS WILL LOVE
Uber is ridiculously cheap and, as Diego Saez discovered, mush safer. A 45-minute taxi from Pulova airport to Saint Petersburg’s Nevsky Prospect can cost as little as 500 roubles (Dh30).
FANS WILL LOATHE
Uber policy in Russia is that they can start the fare as soon as they arrive at the pick-up point — and oftentimes they start it even before arriving, or worse never arrive yet charge you anyway.
FANS WILL LOVE
It’s amazing how active Russians are on social media and your accounts will surge should you post while in the country. Throw in a few Cyrillic hashtags and watch your account numbers rocket.
FANS WILL LOATHE
With cold soups, bland dumplings and dried fish, Russian cuisine is not to everybody’s tastebuds. Fortunately, there are plenty Georgian restaurants to choose from, which are both excellent and economical.
FANS WILL LOVE
The World Cup will take place during St Petersburg's White Nights Festival, which means perpetual daylight in a city that genuinely never sleeps. (Think toddlers walking the streets with their grandmothers at 4am.)
FANS WILL LOATHE
The walk from Krestovsky Ostrov metro station to Saint Petersburg Arena on a rainy day makes you wonder why some of the $1.7 billion was not spent on a weather-protected walkway.
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Results
Light Flyweight (49kg): Mirzakhmedov Nodirjon (UZB) beat Daniyal Sabit (KAZ) by points 5-0.
Flyweight (52kg): Zoirov Shakhobidin (UZB) beat Amit Panghol (IND) 3-2.
Bantamweight (56kg): Kharkhuu Enkh-Amar (MGL) beat Mirazizbek Mirzahalilov (UZB) 3-2.
Lightweight (60kg): Erdenebat Tsendbaatar (MGL) beat Daniyal Shahbakhsh (IRI) 5-0.
Light Welterweight (64kg): Baatarsukh Chinzorig (MGL) beat Shiva Thapa (IND) 3-2.
Welterweight (69kg): Bobo-Usmon Baturov (UZB) beat Ablaikhan Zhussupov (KAZ) RSC round-1.
Middleweight (75kg): Jafarov Saidjamshid (UZB) beat Abilkhan Amankul (KAZ) 4-1.
Light Heavyweight (81kg): Ruzmetov Dilshodbek (UZB) beat Meysam Gheshlaghi (IRI) 3-2.
Heavyweight (91kg): Sanjeet (IND) beat Vassiliy Levit (KAZ) 4-1.
Super Heavyweight ( 91kg): Jalolov Bakhodir (UZB) beat Kamshibek Kunkabayev (KAZ) 5-0.
Indoor cricket World Cup:
Insportz, Dubai, September 16-23
UAE fixtures:
Men
Saturday, September 16 – 1.45pm, v New Zealand
Sunday, September 17 – 10.30am, v Australia; 3.45pm, v South Africa
Monday, September 18 – 2pm, v England; 7.15pm, v India
Tuesday, September 19 – 12.15pm, v Singapore; 5.30pm, v Sri Lanka
Thursday, September 21 – 2pm v Malaysia
Friday, September 22 – 3.30pm, semi-final
Saturday, September 23 – 3pm, grand final
Women
Saturday, September 16 – 5.15pm, v Australia
Sunday, September 17 – 2pm, v South Africa; 7.15pm, v New Zealand
Monday, September 18 – 5.30pm, v England
Tuesday, September 19 – 10.30am, v New Zealand; 3.45pm, v South Africa
Thursday, September 21 – 12.15pm, v Australia
Friday, September 22 – 1.30pm, semi-final
Saturday, September 23 – 1pm, grand final
SECRET%20INVASION
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Tips on buying property during a pandemic
Islay Robinson, group chief executive of mortgage broker Enness Global, offers his advice on buying property in today's market.
While many have been quick to call a market collapse, this simply isn’t what we’re seeing on the ground. Many pockets of the global property market, including London and the UAE, continue to be compelling locations to invest in real estate.
While an air of uncertainty remains, the outlook is far better than anyone could have predicted. However, it is still important to consider the wider threat posed by Covid-19 when buying bricks and mortar.
Anything with outside space, gardens and private entrances is a must and these property features will see your investment keep its value should the pandemic drag on. In contrast, flats and particularly high-rise developments are falling in popularity and investors should avoid them at all costs.
Attractive investment property can be hard to find amid strong demand and heightened buyer activity. When you do find one, be prepared to move hard and fast to secure it. If you have your finances in order, this shouldn’t be an issue.
Lenders continue to lend and rates remain at an all-time low, so utilise this. There is no point in tying up cash when you can keep this liquidity to maximise other opportunities.
Keep your head and, as always when investing, take the long-term view. External factors such as coronavirus or Brexit will present challenges in the short-term, but the long-term outlook remains strong.
Finally, keep an eye on your currency. Whenever currency fluctuations favour foreign buyers, you can bet that demand will increase, as they act to secure what is essentially a discounted property.
England ODI squad
Eoin Morgan (captain), Moeen Ali, Jonny Bairstow, Jake Ball, Sam Billings, Jos Buttler, Tom Curran, Alex Hales, Liam Plunkett, Adil Rashid, Joe Root, Jason Roy, Ben Stokes, David Willey, Chris Woakes, Mark Wood.
UAE's role in anti-extremism recognised
General John Allen, President of the Brookings Institution research group, commended the role the UAE has played in the fight against terrorism and violent extremism.
He told a Globsec debate of the UAE’s "hugely outsized" role in the fight against Isis.
"It’s trite these days to say that any country punches above its weight, but in every possible way the Emirates did, both militarily, and very importantly, the UAE was extraordinarily helpful on getting to the issue of violent extremism," he said.
He also noted the impact that Hedayah, among others in the UAE, has played in addressing violent extremism.
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Our legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants
Avatar: Fire and Ash
Director: James Cameron
Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana
Rating: 4.5/5
The Voice of Hind Rajab
Starring: Saja Kilani, Clara Khoury, Motaz Malhees
Director: Kaouther Ben Hania
Rating: 4/5
Naga
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Game Changer
Director: Shankar
Stars: Ram Charan, Kiara Advani, Anjali, S J Suryah, Jayaram
Rating: 2/5
In Search of Mary Shelley: The Girl Who Wrote Frankenstein
By Fiona Sampson
Profile
Scoreline
Al Wasl 1 (Caio Canedo 90 1')
Al Ain 2 (Ismail Ahmed 3', Marcus Berg 50')
Red cards: Ismail Ahmed (Al Ain) 77'
FIGHT CARD
Fights start from 6pm Friday, January 31
Catchweight 82kg
Piotr Kuberski (POL) v Ahmed Saeb (IRQ)
Women’s bantamweight
Cornelia Holm (SWE) v Corinne Laframboise (CAN)
Welterweight
Omar Hussein (JOR) v Vitalii Stoian (UKR)
Welterweight
Josh Togo (LEB) v Ali Dyusenov (UZB)
Flyweight
Isaac Pimentel (BRA) v Delfin Nawen (PHI)
Catchweight 80kg
Seb Eubank (GBR) v Mohamed El Mokadem (EGY)
Lightweight
Mohammad Yahya (UAE) v Ramadan Noaman (EGY)
Lightweight
Alan Omer (GER) v Reydon Romero (PHI)
Welterweight
Ahmed Labban (LEB) v Juho Valamaa (FIN)
Featherweight
Elias Boudegzdame (ALG) v Austin Arnett (USA)
Super heavyweight
Roman Wehbe (LEB) v Maciej Sosnowski (POL)
AUSTRALIA SQUAD
Steve Smith (capt), David Warner, Cameron Bancroft, Jackson Bird, Pat Cummins, Peter Handscomb, Josh Hazlewood, Usman Khawaja, Nathan Lyon, Shaun Marsh, Tim Paine, Chadd Sayers, Mitchell Starc.
Key Points
- Protests against President Omar Al Bashir enter their sixth day
- Reports of President Bashir's resignation and arrests of senior government officials
MEDIEVIL%20(1998)
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The biog
Favourite food: Fish and seafood
Favourite hobby: Socialising with friends
Favourite quote: You only get out what you put in!
Favourite country to visit: Italy
Favourite film: Lock Stock and Two Smoking Barrels.
Family: We all have one!
Australia tour of Pakistan
March 4-8: First Test, Rawalpindi
March 12-16: Second Test, Karachi
March 21-25: Third Test, Lahore
March 29: First ODI, Rawalpindi
March 31: Second ODI, Rawalpindi
April 2: Third ODI, Rawalpindi
April 5: T20I, Rawalpindi
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Baby Driver
Director: Edgar Wright
Starring: Ansel Elgort, Kevin Spacey, Jamie Foxx, Lily James
Three and a half stars