Title deed vs Oqood — what's the difference?
Oqood is the temporary registration for off-plan units. The title deed replaces it on handover.
Both documents are issued by the Dubai Land Department, but they exist at different stages of a property's life.
Oqood (عقود)
- Issued for off-plan units the moment you sign the SPA and pay your first instalment.
- Officially registers your interest with the DLD while construction is ongoing.
- Doesn't represent ownership of a completed property — only a right under the SPA.
- Can be transferred (with developer NOC) before completion if you sell off-plan.
Title deed
- Issued after handover and final payment.
- Represents full freehold ownership of the completed unit.
- Used for everything thereafter: selling, mortgaging, leasing, sponsoring family.
- The Oqood is replaced by the title deed at this point.
Why this matters
If you're buying an off-plan resale, you'll be transferring the Oqood, not a title deed. The DLD process is similar but the developer must approve. Some developers won't allow Oqood transfer until a certain percentage of the unit is paid (often 30–40%). Always check before you commit.
Sources: Dubai Land Department.
Related questions
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.