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.
When buying property in Dubai, the headline cost beyond the price is the Dubai Land Department (DLD) transfer fee. There are several smaller fees on top.
The main fees
- DLD transfer fee: 4% of the purchase price. Officially split 2% buyer / 2% seller, but in practice the buyer almost always pays the full 4%.
- DLD registration / admin fee: ~AED 580 for a unit, ~AED 250 for a plot.
- Broker commission: typically 2% of price + 5% VAT, paid by the buyer.
- NOC fee from the developer: AED 500–5,000+ depending on the developer.
- Title deed fee: ~AED 250.
- Trustee fee: AED 4,000 (under AED 500K) or AED 4,200 (over) + VAT.
If you're using a mortgage
- Mortgage registration fee: 0.25% of the loan amount + AED 290.
- Bank arrangement fee: typically 0.5–1% of the loan.
- Property valuation: ~AED 2,500–3,500.
- Life insurance tied to the loan term.
Rough planning rule
Cash buyer: budget 5–6% of price for total fees. Mortgaged buyer: 6–7%. Off-plan buyers pay similar DLD fees but on a different schedule.
Sources: Dubai Land Department, public broker schedules.
Related questions
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.