Generating the Rent Schedule

A lease is signed once, but it is paid many times. You agree an annual rent with a tenant, and out of that single number Nama has to produce the actual list of amounts and dates the tenant will owe: this quarter's rent, the security deposit due on day one, the agency commission, the share of the water bill, the annual escalation that kicks in from the second year, the cleaning contract that is charged every three months. That list is the Rents grid (الايجارات) at the bottom of the rent contract, and it is what everything downstream — collection, accrual, fines, termination — is measured against.

You never type it. You press Create Rents (إنشاء الايجارات) and the whole grid is built for you.

Throughout this page we will use one lease: a shop in Al-Nakheel Tower, let from 1 March 2026 to 28 February 2029, at an annual base of 120,000, paid quarterly, with a 10% insurance deposit (12,000), a 5% agency commission (6,000), 2% maintenance and 1% water expenses, and a 5% compound yearly increase.

What the button reads before it writes anything

Create Rents does not ask you any questions. Everything it needs is already on the contract, which is why the order of work matters: fill the header first, press the button last.

It reads the contract dates and the Rent Period (فترة العقد), the annual base (Rent Value Per Year / اساس العقد السنوي) and the Rent type (نوع الايجار) that sets how often rent falls due, the commission / insurance / maintenance / water figures in the values block, the yearly discounts and the yearly increase on the Yearly Discount And Increase page, the Yearly Rent Types (أنواع الايجارات سنوياً) grid, and the Expense (مصروفات) grid on the Terms And Fees And Expenses page.

There is one hard prerequisite: the contract period has to be expressed in years or months. Any other unit stops the button with "Contract period UOM must be yearly or monthly".

Walking the generator

The generator starts at the From Date and walks forward to the To Date, one rent period at a time, emitting lines as it goes.

1. It decides this step's frequency

For each step it looks at the Yearly Rent Types grid first: if a row's year range covers the date it has reached, that row's type wins. Only when no row matches does it fall back to the header Rent type. This is how a lease can be monthly for its first two years and quarterly from the third — see Changing the frequency mid-lease below. Our shop lease has an empty grid, so every step is quarterly: three months.

2. On the very first date only, it emits commission and insurance

The first date of the lease carries two extra lines before any rent: one of type Commission (سعي) for the commission value, and one of type Insurance (تأمين) for the deposit. They are emitted once, never repeated, and they are never split across periods.

Our lease therefore opens on 1 March 2026 with a 6,000 commission line and a 12,000 insurance line.

3. It works out this period's rent

The arithmetic is always the same:

this period's rent = (annual base + accumulated increase) × months in the period ÷ 12, rounded to the currency's scale, then reduced by that contract year's discount percentage.

The accumulated increase grows once per completed contract year. With Compound Yearly Increase (الزيادة السنوية مركبة) ticked, each year's increase is calculated on the base plus everything accumulated so far; left unticked, the same flat amount is added each year.

For the shop, at 5% compound:

Contract year	Base + accumulated increase	Rent per quarter
Year 1 (Mar 2026 – Feb 2027)	120,000	30,000
Year 2 (Mar 2027 – Feb 2028)	126,000	31,500
Year 3 (Mar 2028 – Feb 2029)	132,300	33,075

Had Compound Yearly Increase been left unticked, year 3 would have added another flat 6,000 rather than 6,300, giving 132,000 a year and 33,000 a quarter. Over three years the difference is small; over a ten-year lease it is not.

The discount side works the other way: the percentage you put in First Year Discount … or in the Discounts grid for years beyond ten is applied to that year's rent line after the escalation has been added.

4. It emits water and maintenance

Both figures behave the same way, and each has its own switch on the contract:

• Treat Maintenance Costs As Installments (معاملة تكاليف الصيانة معاملة الأقساط) ticked — the maintenance amount is spread over every installment, at value × months in period ÷ 12. Unticked, it is charged as a single line once a year, in the anniversary month of the contract.
• Treat Water Costs As Installments (معاملة المياه معاملة الأقساط) does the same for water.

Maintenance also tracks the escalation: it is recomputed each period as its percentage of the current rent base, not of the original one. Our shop's 2% therefore produces 600 a quarter in year one (2% of 120,000, quartered), 630 in year two and 661.50 in year three. Water, at 1% and with its switch left unticked, produces a single 1,200 line every March.

5. It expands the Expense grid

Each row of the Expense grid is a recurring charge with its own rhythm. Before the walk even begins, the generator works out every date on which that row falls, from its Paid Every (يستحق كل) period and its From Year Number / To Year Number range; rows set to With Every Installment are handled inline instead, following the contract's own period.

The amount depends on the Expense Value Type (نوع قيمة المصروف):

• Value — the figure in Expense Value is used as it stands.
• Percentage — the percentage is taken from the first year's rent or from the rent of the same year, depending on the Percentage Basis (اساس النسبة) you chose. That choice is mandatory whenever the type is Percentage.

Whatever comes out is then scaled by months in period ÷ 12 — unless the row ticks Do Not Multiply Expense Value In Period (عدم ضرب قيمة المصروف في الفترة), or its Paid Every is Once or Yearly.

A cleaning contract on our shop at 1% of the same year's rent, paid quarterly, therefore comes out at 300 a quarter in year one and rises with the rent afterwards. The line takes its installment type from the expense row, so you can route it to its own accounts later — the catalogue behind these rows is described in Fee, Commission, Broker and Expense Catalogues.

6. It emits the rent line

Last for the period comes the rent itself, as a line of type Installment (قسط). Only lines of this type count towards Total Rent Values (إجمالي ايجارات العقد); everything else — commission, insurance, water, maintenance, expenses — is counted in Total Contract Value (إجمالي قيمة التعاقد) only.

If the contract's term ticks Rent Value Include Commission (قيمة الايجار تشمل السعي), the rent line is reduced by the expense value charged in the same period, so the headline rent the tenant sees already contains the charge instead of sitting beside it.

7. Codes, taxes, and the grid is replaced

When the walk finishes, the generator numbers the lines: the due date as yyyyMMdd followed by a two-digit sequence, so the first two lines of our lease are 2026030101 and 2026030102. If the term ticks Manual Coding (تكويد يدوي) it leaves the codes empty for you to fill instead — and because installment codes must be unique and cannot be changed after commit, it is worth deciding which way round you want this before the first contract is signed.

Lines whose expense was copied from a previous contract are dropped when their expense type says so. Then each line's taxes are computed — from the Legal Entity Taxes grid on the term, falling back to the same grid in the module configuration, and finally to the tax plan on the estate or the tenant — and the whole Rents grid is replaced with what the generator produced.

Our shop lease ends up with 29 lines: 12 quarterly rent lines, 12 maintenance lines, 3 annual water lines, one commission and one insurance.

Create Rents overwrites the whole grid

The button does not merge and it does not top up. It replaces the Rents grid with a freshly generated schedule, so any line you added by hand, any amount you edited and any date you moved is lost the moment you press it again.

Generate the schedule first, adjust afterwards, and never press it once collection has started — already-paid lines cannot be removed or reduced, so on a live contract the button will simply fail and leave you to sort out the difference by hand.

Changing the frequency mid-lease

The Yearly Rent Types grid exists for leases whose rhythm changes over their life — a tenant who pays monthly while the business finds its feet and quarterly once it is established. Each row is a year range plus a type: years 1 to 2 Monthly, years 3 to 3 Quarterly. The generator consults the grid at every step and only uses the header Rent type when nothing matches, so a partially filled grid is perfectly valid.

Leases kept in the Hijri calendar

Ticking Dates in hijri (العمل بالتاريخ الهجري) on the contract does not simply relabel the dates. It switches every date calculation in the module to the Hijri table: the conversion between the contract dates and the Rent Period, the step from one due date to the next, the anniversary month that water and maintenance are charged in, the year boundaries that decide which contract year's increase and discount apply — and the installment codes, which are then built from the Hijri yyyyMMdd of the due date.

Decide the calendar before you generate

Because the codes themselves change, switching the calendar on a contract that already has a schedule means regenerating it, which brings back the overwrite warning above. Set the flag when you create the contract.

Opening forty leases at once

A mall handing over forty shops on the same day does not need forty trips through the contract screen. The Multi rent contract doc (سند عقود مجمعة) is a batch front-end to the same generator: you fill the commercial terms once in the header, list the units in the grid, and press إنشاء عقود الايجار to have Nama create one real rent contract per line.

The header carries the dates, the period, the tenant and the default commission, insurance, maintenance, water and collection-commission figures, plus a single yearly discount percentage. Each grid line names the estate and can override any of it — the estate, tenant, owner, salesman, dates, period, rent type, annual rent, and the whole set of percentages and values. Anything a line leaves at zero inherits the header value when the document is committed, and every empty year discount inherits the header's single percentage.

For each line the button then copies the book and term named on the multi document's own term, rebuilds the line's contract schedule through exactly the generator described above, and commits the contract, writing the new contract's reference back onto the line.

The button is re-runnable, not duplicating

Pressing إنشاء عقود الايجار again re-opens the contracts it created last time and updates them rather than creating a second set. Taking a duplicate of the multi document, on the other hand, clears those links, so the copy generates fresh contracts.

Two things to know before you commit to the batch route. First, a validation: for each of commission, insurance, water expenses and maintenance you may fill either the percentage or the value on a line, not both — filling both fails with "One field must be filled". Second, and more important, the batch document is deliberately narrow. It has no expenses grid, no other fees, no standard terms, no terms and conditions, no yearly rent types and no yearly increase, and it posts no accounting entry of its own — the contracts it creates carry all of that. So it is the right tool when forty leases really are alike, and the wrong one when each shop has its own service charges; anything beyond the plain schedule has to be added on the generated contracts afterwards, which means pressing Create Rents on each of them and accepting the overwrite.

Once the contracts exist they are ordinary rent contracts in every way: they accrue through rent installment ledgers, they are collected against, and they are renewed or terminated with the usual buttons. The accounts every generated line eventually reaches are decided by the contract's rent document term, and the wider sequence this schedule sits inside is walked in The Leasing Cycle.