True Cost
What it really costs to buy — and what you really keep when you sell.
Dubai's fees are predictable once you know them. Here they are, for your price, your financing and your profile.
Financing
Cash needed on transfer
550K
deposit + fees
Fees on top of price
150K
7.5% of price
Monthly repayment
AED 8,668
25 yrs at 4.25%
Your 80% loan-to-value is within the indicative 80% cap for your profile.
At AED 2M or more, this purchase may qualify toward a UAE Golden Visa (property route). Eligibility rules apply — confirm with the relevant authority.
Fee breakdown
| DLD transfer fee (4%) | AED 80,000 |
| Title deed issuance | AED 580 |
| Registration trustee (+VAT) | AED 4,200 |
| Agent commission 2% (+VAT) | AED 42,000 |
| Mortgage registration (0.25% + AED 290) | AED 4,290 |
| Bank arrangement fee (up to 1%) | AED 16,000 |
| Bank valuation fee | AED 3,000 |
| Total fees | AED 150,070 |
| Deposit | AED 400,000 |
Where the fees go
Fees total AED 150K. The biggest is DLD transfer fee (4%) — 53% of the total.
The DLD's 4% transfer fee is almost always the largest item.
Indicative figures based on commonly published DLD fees, typical agent commission and UAE Central Bank loan-to-value caps. Fees change and some vary by developer, bank and property type. Confirm with the DLD, your lender and your broker before transacting.
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