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Luma 22 Residence
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Off-PlanVerified

Luma 22 Residence

Jumeirah Village Circle (JVC), Dubai
Starting FromAED 780,000
HandoverQ2 2026
Rental Yield9.2%
Available Units0 units
Direct Developer Allocation

Receive Official Floor Plans, Unit Pricing & Milestone Schedule on WhatsApp

Investor Due Diligence & Executive Brief

Luma 22 Residence — Investment Snapshot

RERA Law 8 Escrow Protected
Master DeveloperTownX Development
Location & EmirateJumeirah Village Circle (JVC), Dubai
Price Range (AED / USD)AED 780,000 (~$212,389 USD)
Handover TimelineQ2 2026 (Scheduled)
Expected Gross Yield9.2% Gross p.a.
10-Yr UAE Golden VisaEligible via Multi-Unit Portfolio
100% Freehold Foreign Ownership0% Personal Income & Capital Gains TaxOfficial Oqood Initial Title Certificate
View Payment Schedule
DLD Community Valuation Benchmark

Jumeirah Village Circle (JVC) average rental yield is 9.2% with steady occupancy demand.

Area Capital Benchmark
Development Lifecycle

Construction Progress

0%Completed
PlanningPermits & Design
2
StructureFoundation & Core
3
FacadeInteriors & MEP
4
HandoverQ2 2026
Off-Plan Resale & Assignment DeskNOC Clearance

Own an under-construction unit in Luma 22 Residence?

Check your developer NOC threshold with TownX Development, get an instant secondary market valuation, and match with pre-approved cash buyers.

Valuate & Sell Unit
International Buyer Advisory Desk

Buying Luma 22 Residence from Overseas?

Verified legal remittance, 0% tax comparison, and dual-currency pricing for foreign nationals.

Estimated Price in INR
₹1.78 Cr
@ 1 AED ≈ 22.85 INR
10-Year UAE Golden Visa
Threshold: AED 2,000,000
Includes spouse & kids
Statutory Transfer Scheme
Reserve Bank of India (RBI) Liberalised Remittance Scheme (LRS)
Direct to DLD Escrow
India Master Desk0% Tax vs IndiaGolden Visa GuideBank Remittance Steps
Explore All 14 Global Investor Corridors:
🇮🇳India🇬🇧United Kingdom🇺🇸United States🇨🇦Canada🇸🇦Saudi Arabia🇩🇪Germany🇵🇰Pakistan🇷🇺Russia🇫🇷France🇨🇳China🇦🇺Australia🇿🇦South Africa🇸🇬Singapore🇶🇦Qatar
Introduction

About Luma 22 Residence

Luma 22 by TownX offers boutique residential apartments in JVC facing community parkland with dual swimming pools and private resident gardens.

Unit Types

Studio1 Bedroom2 Bedroom3 Bedroom
Lifestyle & Recreation

Amenities & Facilities

Infinity Pool
Smart Home Automation
Valet Parking
State-of-the-art Gym
Private Landscaped Gardens
24/7 Concierge
Regulatory Trust

Developer & Escrow Verification

TownX DevelopmentVerified

Official Registered UAE Developer

95/100
Track Record
88%
On-Time
60+
Projects
RERA Registered
Verified (DLD)
Escrow Account
DLD Escrow Active
Projected ROI
12% p.a.
Visual Portfolios

Gallery & Masterplan

Luma 22 Residence — image 1
Click to expand
Architectural Layouts

Floor Plans

Select a unit type to view the floor plan and full specifications.

Floor plans and architectural layouts are being prepared by the developer. Contact broker for direct blueprint sheets.
Installment Milestones

Payment Plan

Use the price slider to see exactly how much is due at each milestone.

Down PaymentBooking
20%
AED 156,000
Immediate on Signing
ConstructionMilestones
40%
AED 312,000
Linked to Progress
On HandoverKeys
40%
AED 312,000
Q2 2026
Post-Handover
0%
0% (Standard)
N/A for this plan

Slide to simulate exact cashflow amounts for different unit sizes and price points

AED 780,000
From: AED 780,000To: AED 1,850,000
Milestone Timeline Schedule (100% Balanced)60/40 Construction-Linked
Down Payment (20%)
Construction (40%)
On Handover (40%)
1
On BookingDown Payment
Due: Immediate
20%
AED 156,000
20% cumulative paid
2
During ConstructionConstruction
Due: Construction Milestones
40%
AED 312,000
60% cumulative paid
On Handover (Keys)On Handover
Due: Q2 2026
40%
AED 312,000
100% cumulative paid
Complete Payment Breakdown Schedule100% Escrow Protected
Milestone / StagePhase%AmountTiming
On BookingDown Payment20%AED 156,000Immediate
During ConstructionConstruction40%AED 312,000Construction Milestones
On Handover (Keys)On Handover40%AED 312,000Q2 2026
Total Purchase Value (100% Balanced)100%AED 780,000100% Escrow Account

Payment schedule is illustrative based on selected price. A DLD Land Transfer Fee (4%) applies upon registration. 0% Agency Commission — direct developer allocation.

Fast WhatsApp Floor Plans & Price-SheetVerified

Receive the official PDF brochure, payment schedule, and direct developer pricing in 5 seconds.

Central Bank of UAE (CBUAE) Regulations: Maximum LTV caps applied automatically for UAE Nationals (85%), Residents (80%), and Non-Residents (60%).
2026 Verified Banking Rates

Get the right mortgage for you

300,000 AED200,000,000 AED
Min 20% Required
20%
156,000 AED624,000 AED
Max 80% LTV
624,00080%
156,000 AED624,000 AED
25
1 year25 years
%
2.5%9.0%

Estimate your monthly mortgage payment

monthly payment
3,208 AED
with interest rate of
3.75%

Get a free consultation.

Our Mortgage Advisors will be more than happy to help!

or instant response

Explore Deeper UAE Mortgage Analytics

Compare top UAE bank profit rates, inspect annual amortization, and test 50% DBR debt capacity.

25-Year Loan Amortization Schedule

Detailed annual breakdown of principal paid vs interest reduction

YearPrincipal Paid (AED)Interest Paid (AED)Remaining Balance (AED)
Year 115,358 AED23,138 AED608,642 AED
Year 215,944 AED22,552 AED592,698 AED
Year 316,552 AED21,944 AED576,145 AED
Year 417,184 AED21,312 AED558,961 AED
Year 517,839 AED20,657 AED541,122 AED
Year 618,520 AED19,976 AED522,602 AED
Year 719,227 AED19,269 AED503,375 AED
Year 819,960 AED18,536 AED483,415 AED
Year 920,722 AED17,774 AED462,693 AED
Year 1021,512 AED16,984 AED441,181 AED
Year 1122,333 AED16,163 AED418,848 AED
Year 1223,185 AED15,311 AED395,663 AED
Year 1324,070 AED14,426 AED371,594 AED
Year 1424,988 AED13,508 AED346,606 AED
Year 1525,941 AED12,555 AED320,665 AED
Year 1626,931 AED11,565 AED293,734 AED
Year 1727,958 AED10,538 AED265,776 AED
Year 1829,025 AED9,471 AED236,751 AED
Year 1930,132 AED8,364 AED206,618 AED
Year 2031,282 AED7,214 AED175,337 AED
Year 2132,475 AED6,021 AED142,861 AED
Year 2233,714 AED4,782 AED109,147 AED
Year 2335,000 AED3,496 AED74,146 AED
Year 2436,336 AED2,160 AED37,811 AED
Year 2537,722 AED774 AED89 AED
Community Mapping

Location & Highlights

Jumeirah Village Circle (JVC), Dubai, UAE
Loading Map...

Distances & Travel Times

Downtown Dubai / Burj Khalifa
15 km
18 min
Dubai International Airport (DXB)
22 km
25 min
Dubai Marina & Beach
18 km
20 min

BookMyOffPlan Investment Simulator™

Build dynamic scenarios, review 10-year forecasts, and analyze ROI sensitivities.

Preset Models:

01 / Calculation Parameters

Min: AED 780KMax: AED 1.9M
Estimated Gross Yield
9.2%
Estimated Net Yield
7.7%

02 / Return Projections

5-Year Return Forecast
+79% ROI
Holding Exit Value:AED 1.1M
Cumulative Net Rent:+AED 300K
Total Projected Profit:+AED 614K
ROI Sensitivity Heatmap (Yield vs Appreciation)
Yield\Appr
2%
4%
6%
8%
10%
5%
+28%
+39%
+51%
+64%
+79%
6%
+33%
+44%
+56%
+69%
+84%
7%
+38%
+49%
+61%
+74%
+89%
8%
+43%
+54%
+66%
+79%
+94%
9%
+48%
+59%
+71%
+84%
+99%

* Illustrative scenario. Actual returns are subject to tenancy agreements and market fluctuations.

Institutional Exit AnalysisDLD 4% Fee & NOC Calibrated

3-Scenario Exit IRR Simulator

Model pre-handover contract assignment flip vs. post-completion holding cashflow

Simulated Purchase PriceAED 780,000
AED 500KAED 15M
Conservative Annual Capital Appreciation+6.5% p.a.
+2% (Bearish)+14% (Prime Waterfront)
Annualized Net IRR
8.7%
Time-weighted internal return
MOIC (Cash Multiple)
1.14×
Return on actual invested cash
Net Pocket Profit (After Fees)
+AED 48,337
Net of DLD 4%, NOC & 2.1% agent
Pre-Handover Assignment Flip — Cost & Proceeds Ledgerhorizon: 2 years
Total Out-of-Pocket Cash Invested:AED 346,780
Gov & Registration Fees (DLD 4% + Oqood):AED 34,780
Target Exit Realized Valuation:AED 884,695
Conveyance & Exit Costs (NOC + 2.1% Brokerage):-AED 21,579
Net Investor Cash Proceeds at Liquidation:AED 395,117
Calculations include actual DLD Law No. 8 Escrow protections & 30% contract assignment rules.
Information center

Frequently Asked Questions

What is the payment plan for Luma 22 Residence?
Flexible construction-linked payment plan with starting price from AED 780,000.
Is Luma 22 Residence approved by DLD?
Yes, Luma 22 Residence in Jumeirah Village Circle (JVC) is 100% verified with an active DLD registered escrow account in Dubai.
Does buying in Luma 22 Residence qualify for the 10-Year UAE Golden Visa?
Properties with total purchase value of AED 2,000,000 or above qualify for the 10-Year UAE Golden Visa.
Proprietary Rating

BMO Intelligence Score™

87

"Outstanding investment grade property. Premium location and strong developer track record."

Developer:90
Location:85
Yield:92
Appreciation:90
Methodology:Weighted Multi-Factor Indices
Data Freshness:Real-time DLD Registry Sync
Score Version:v2.0 (Stable)
Starting from
AED 780,000
Up to AED 1,850,000
RERA escrow protected
No agency fee — developer direct
9.2% projected yield
Uroosa
Senior Portfolio Consultant

Uroosa

Online (replies in 3m)

"I specialize in off-plan & luxury properties across Jumeirah Village Circle (JVC), Dubai. Ask me about escrow verification, floor unit availability, or rental yields."

Chat on WhatsApp
Marketing Kit

Official Brochure & Floor Plans

Get the complete project brochure, detailed floor plans, pricing details, and investment factsheets sent to you.

Quick Facts

FloorsG + 1
Total Units0
Available0 units
RERA No.Verified (DLD)
Completion0%
HandoverQ2 2026

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Official Project Resources & Investor Assistance

Access verified floor plan sets, construction escrow accounts, and unit allocations for Luma 22 Residence.

Download Official Brochure PDFTownX Development Profile & HistoryJumeirah Village Circle (JVC) Investment GuideUAE Golden Visa Eligibility
Starting FromAED 780,000
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