How much is the DLD fee in Dubai?

The DLD transfer fee is 4% of the property purchase price. It is officially split 2% buyer and 2% seller, but buyers typically pay the full 4%.

What is the trustee fee in Dubai?

The trustee office fee is AED 4,000 + 5% VAT (AED 4,200 total) for properties under AED 500,000, or AED 4,200 + 5% VAT (AED 4,410 total) for properties AED 500,000 and above.

What mortgage costs apply when buying property in Dubai?

Mortgage costs include: DLD mortgage registration fee (0.25% of loan + AED 290), bank arrangement fee (typically 1% of loan + 5% VAT), and property valuation fee (AED 2,500–3,500 + 5% VAT).

Do I pay VAT on property in Dubai?

No VAT is charged on residential property itself. 5% VAT applies only to associated services including the trustee office fee, agency commission, bank arrangement fee, and property valuation fee.

What is the difference between ready and off-plan property fees in Dubai?

Ready properties pay AED 580 DLD admin fee. Off-plan properties pay AED 40 (Oqood registration) but require a developer NOC (AED 500–5,000) for resale before handover. The 4% DLD transfer fee applies to both.

Dubai DLD Fee Calculator (UAE)

Calculate all Dubai property buying costs for 2026: DLD transfer fee, trustee fee, mortgage registration, bank arrangement fee, property valuation, agency commission, and conveyancing — for ready, new, or off-plan property.

Property Value (AED)

Property Type

Payment Method

Mortgage / Loan Amount (AED)

Down payment: $400,000.00 (20%)

Include Agency Commission

2% + 5% VAT — typical buyer-side broker fee

Include Conveyancing / Legal Fees

AED 5,000–10,000 depending on complexity

Total Buyer Closing Costs

$151,750.00

% of Property Value

7.59%

Fee Breakdown

DLD Government Fees$81,100.00

DLD Transfer Fee (4%)

Mandatory government registration charge

$80,000.00

DLD Admin Fee

Title transfer administration

$580.00

Title Deed Issuance

Physical title deed certificate

$250.00

Map / Site Plan Fee

Official property map registration

$250.00

Knowledge & Innovation Fee

AED 10 + AED 10 per government service

$20.00

Registration & Trustee Fees$4,410.00

Registration Trustee Fee (≥ AED 500K)

Licensed trustee office fee

$4,200.00

VAT on Trustee Fee (5%)

$210.00

Mortgage Costs$24,240.00

Mortgage Registration Fee (0.25%)

4000 + AED 290 admin

$4,290.00

Bank Arrangement Fee (1%)

Lender fee for processing the mortgage

$16,000.00

VAT on Bank Arrangement Fee (5%)

$800.00

Property Valuation Fee

Independent valuation required by bank (avg AED 2,500–3,500)

$3,000.00

VAT on Valuation Fee (5%)

$150.00

Real Estate Agency Fees$42,000.00

Agent Commission (2%)

Standard buyer-side broker commission

$40,000.00

VAT on Commission (5%)

$2,000.00

Total Closing Costs

7.59% of property value

$151,750.00

1. DLD Government FeesMandatory

DLD Transfer Fee (4%): Charged on every property sale. Legally split 2% buyer / 2% seller, but buyers typically pay the full 4% unless the MoU states otherwise.

Admin Fee: AED 580 for ready / completed properties. AED 40 for off-plan (Oqood registration). No VAT on government fees.

Other DLD fixed fees: Title Deed Issuance (AED 250), Map/Site Plan (AED 250), Knowledge Fee (AED 10) + Innovation Fee (AED 10).

2. Registration & Trustee FeesMandatory · 5% VAT applies

The Trustee Office is a DLD-licensed private centre that physically handles the property transfer on behalf of DLD. Their fee attracts 5% UAE VAT since it is a private service.

Property Value	Fee (excl. VAT)	Total (incl. VAT)
Below AED 500,000	AED 4,000	AED 4,200
AED 500,000 and above	AED 4,200	AED 4,410

3. Mortgage CostsOnly if financing

Mortgage Registration Fee (0.25%): Charged by DLD to register the bank's mortgage security interest. Formula: 0.25% of loan + AED 290 admin fee.

Bank Arrangement Fee (1%): Charged by the lender for processing your mortgage. Usually 1% of the loan amount + 5% VAT. Some banks charge a flat fee instead — verify with your bank.

Property Valuation Fee: Required by the bank before lending. Typically AED 2,500–3,500 + 5% VAT, depending on property size and location.

4. Agency & Conveyancing FeesOptional · 5% VAT on commission

Agency Commission (2%): Market standard in Dubai is 2% of property value per side (buyer and seller each pay 2% to their respective broker) + 5% VAT on the commission. Not mandatory if buying directly without a broker.

Conveyancing / Legal Fees (AED 5,000–10,000): Optional legal service to handle all documentation, title checks, and transfer coordination. Recommended for complex transactions or when you don't have local legal support.

5. Off-Plan NOC FeeOff-plan only

A No Objection Certificate (NOC) is required from the original developer before the DLD can register any transfer of an off-plan property.

Developer	Typical Range
Emaar	AED 1,000–5,000
DAMAC	AED 1,000–3,000
Nakheel	AED 500–2,000
Other	AED 500–5,000

What Are Dubai Property Transfer Costs?

When buying property in Dubai, the purchase price is only the starting point. Buyers pay several mandatory government fees, third-party service fees, and optional professional fees on top of the property price. This calculator covers every layer for 2026 — select your property type and payment method above to get a personalised estimate.

Property Types Explained

Ready — Resale (Secondary Market)

A completed property being sold by an existing owner. The most common transaction type. DLD admin fee is AED 580. A broker is typically involved and agency commission applies.

Ready — New (Primary Market)

A completed property purchased directly from the original developer. DLD fees are identical to resale. Agency commission may not apply since developers use in-house sales teams. No NOC fee required.

Off-Plan

Property purchased before or during construction. DLD admin fee is only AED 40 (Oqood registration). A No Objection Certificate (NOC) from the developer is required for any resale before handover.

Complete Fee Reference Table

Fee	Amount	VAT?	When
DLD Transfer Fee	4% of price	No	Always
DLD Admin Fee (Ready)	AED 580	No	Ready property
DLD Admin Fee (Off-Plan)	AED 40	No	Off-plan property
Title Deed Issuance	AED 250	No	Always
Map / Site Plan Fee	AED 250	No	Always
Knowledge & Innovation Fee	AED 20	No	Always
Trustee Office Fee (< AED 500K)	AED 4,000	5% (AED 200)	Always
Trustee Office Fee (≥ AED 500K)	AED 4,200	5% (AED 210)	Always
Mortgage Registration Fee	0.25% of loan + AED 290	No	If mortgaged
Bank Arrangement Fee	~1% of loan	5%	If mortgaged
Property Valuation Fee	AED 2,500–3,500	5%	If mortgaged
Agency Commission	2% of price	5%	If using broker
Developer NOC Fee	AED 500–5,000	No	Off-plan only
Conveyancing / Legal Fees	AED 5,000–10,000	No	Optional

Key Rules to Know

No VAT on residential property itself — VAT (5%) applies only to services such as the trustee fee, agency commission, bank arrangement fee, and valuation. The property price is VAT-exempt for standard residential purchases.
4% DLD fee split — officially 2% each for buyer and seller; in practice buyers pay the full 4% unless negotiated otherwise in the Memorandum of Understanding (MoU).
Minimum down payment — UAE banks typically require 20% for residents (25% for non-residents) buying a primary home as of 2026.
Off-plan resale before handover — requires a NOC from the developer plus the standard DLD transfer fees. Verify any outstanding service charges are cleared.
Bank arrangement fees vary — some banks charge a flat fee instead of 1%. Always confirm the exact fee in your mortgage offer letter.