Captains get 14,400 a month (172,800 a year). You can rent a 2 bed villa in Al Waha (spelling?) right next to the company accommodation for 60,000 a year. No certainty that rents will stay low for ever but at the moment you would have to be mad to stay in company accommodation. Trouble is once you are out you can't get back in if your circumstances (or rent) change.