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As outlined by the Dubai Land Department (DLD), here’s what to consider when purchasing:

● 4% transfer fee (based on sale value)

● AED 580 title deed issuance (ready to move property)

● 0.25% of mortgage value (if financing)

● AED 2,000 - 4,000 for trustee office services

● AED 250–500 in admin charges

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● Property Selection – Choose a registered property or project (verified via DLD or Dubai REST app).

● Agreement – Sign a Form F (Memorandum of Understanding) between buyer and seller, registered with the DLD.

● No Objection Certificate (NOC) – Secure a No Objection Certificate from the developer, confirming that all outstanding payments have been cleared.

● Transfer at DLD Trustee Office – Buyer and seller meet at the DLD office, pay the 4% transfer fee, and the title deed is issued.

● Title Deed Registration – The property is legally transferred to the buyer in the DLD registry. All transactions must go through a licensed DLD Real Estate Services Trustee Centre.

Source: Dubai REST App-DLD

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Yes. Both residents and non-residents can apply for mortgages, regulated by the UAE Central Bank.

● Residents can borrow upto 80% LTV (loan-to-value) for properties below AED 5 million

● Non-residents can borrow up to 50% LTV

● A mortgage pre-approval is required from the bank before signing the MoU

● Mortgage registration at DLD is 0.25% of loan amount

Source: CBUAE – Mortgage Regulations, 2013 (Art. 6)

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Yes, but the rules are different from residential mortgages. Commercial property financing follows corporate lending guidelines set by the Central Bank of the UAE (CBUAE):

● Loan-to-Value ratios and interest rates are set on a case-by-case basis.

● Business financials, audited statements, and trade licence copies are required documents. Mortgage registration is done at the Dubai Land Department, and the 0.25 % mortgage registration fee applies.

Source: CBUAE – Regulations Regarding Mortgage Loans, 2013

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Before signing:

● Make sure the property’s zoning and intended use align with Dubai Municipality guidelines.

● Confirm that the property has a valid Title Deed and no legal issues attached.

● Review service charge statements and occupancy certificates to understand ongoing costs.

● If buying off-plan, verify that the developer is registered with RERA and the project has an active escrow account. These steps help ensure your purchase is secure and fully compliant with Dubai’s real estate laws.

Sources: Dubai Municipality – Zoning Guidelines, RERA Escrow Law No. 8 of 2007

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