Truval — Unbiased Valuations

Deal Roadmap

From first viewing to title deed — every step, in plain English.

Know what happens, who does it, what it costs and what to verify yourself, whether or not you use a broker.

Buying a ready home

Typically 2–4 weeks cash, 4–8 weeks with a mortgage
  1. 1

    Get finance in principle

    1–2 weeks · You

    A pre-approval shows sellers you're serious and fixes your real budget. Banks check your debt-burden ratio and the LTV cap.

    Passport & Emirates IDSalary certificate6 months' bank statements
  2. 2

    Shortlist and verify listings

    Ongoing · You

    Check each ad shows a valid DLD advertising permit (Trakheesi QR) and that the broker's BRN is registered. Run a Deal Check on anything you'd offer on.

    Listing permit numberBroker BRN
  3. 3

    Agree price and sign Form F (MOU)

    1–7 days · Buyer & seller

    The MOU fixes price, deposit, dates and who pays which fees. A security deposit, commonly 10%, is typically held by the broker or trustee. Add conditions such as mortgage approval.

    Form FSecurity deposit cheque
  4. 4

    Seller obtains the developer NOC

    3–10 days · Seller

    The No Objection Certificate confirms service charges are paid and the developer has no objection to transfer. The seller normally pays the fee.

    NOC
  5. 5

    Bank valuation and final offer

    1–3 weeks · Your bank

    For mortgage buyers: the bank values the property and issues a final offer letter. If the seller has a mortgage, their liability letter is needed too.

    Final offer letterSeller's liability letter
  6. 6

    Transfer at a Registration Trustee

    1 day · Everyone

    Pay the DLD 4% transfer fee and trustee fees, settle by manager's cheques, and the title deed is issued in your name.

    Manager's chequesOriginal IDs
  7. 7

    After the keys

    1–2 weeks · You

    Set up DEWA, register with the building's service-charge (Mollak) account, arrange insurance, and register Ejari if you rent it out.

    DEWAMollak accountEjari if letting
Do I need a broker?

Not necessarily. Buyers and sellers can agree a deal directly and complete it at a Registration Trustee office. Many people still use a broker for access to listings, negotiation and paperwork — Truval helps you check their advice independently either way.

Verify it yourself
  • • Title deeds and broker BRNs: official DLD channels, e.g. the Dubai REST app
  • • Service charges: the building's official service-charge (Mollak) figures
  • • Tenancies: Ejari registration
  • • Off-plan: RERA project registration and escrow

Timings, documents and practices are typical and indicative; they vary by developer, bank and case. Always confirm current requirements with the DLD, your bank and the Registration Trustee.