If you are getting the same package in Dubai then it is of new use moving to Qatar. I don't think you will be able to find a good new accommodation at 5k and it will be better to go for the furnished house from them. Schooling is expensive here. 45k car loan without interest is not so bad as you can get another loan from the bank with interest to buy a bigger car if needed. Still not a bad offer from the Government and I think there will not be much room for negotiation.