Buying & selling
6 questions · Transfer fees, mortgages, NOCs, off-plan vs ready, title deeds.
The 4% DLD transfer fee — and what else you'll pay
4% of the purchase price to the Land Department, plus admin and broker fees. Budget around 5–7% of price in total.
Mortgage basics for residents and non-residents
Residents typically borrow up to 80% LTV (75% for non-Emiratis on first home over AED 5M). Non-residents are capped lower.
NOC from the developer — what it is and how to get one
The developer's No Objection Certificate confirms service charges are paid up. You can't transfer ownership without it.
Off-plan vs ready property — honest pros and cons
Off-plan buys you a payment plan and (usually) a lower entry price. Ready property gives you certainty and rental income now.
Title deed vs Oqood — what's the difference?
Oqood is the temporary registration for off-plan units. The title deed replaces it on handover.
Selling your property — the step-by-step
From valuation to title transfer typically takes 6–10 weeks for a cash buyer; 8–14 for a mortgaged one.