Ras Al Khaimah Municipality Fee Calculator (UAE)
Calculate all RAK property buying costs for 2026: RAK Municipality transfer fee (2%), admin fee, mortgage registration, bank arrangement fee, property valuation, and agency commission.
What Are RAK Property Transfer Costs?
Ras Al Khaimah (RAK) offers some of the most competitive property buying costs in the UAE. RAK Municipality charges a 2% transfer registration fee from the buyer (the seller pays a separate 2%), with a fixed AED 2,000 admin fee. Total government costs are significantly lower than Dubai, making RAK an increasingly attractive emirate for property investment.
Property Types in RAK
Ready — Resale (Secondary Market)
A completed property being transferred from an existing owner. The standard 2% buyer-side transfer fee and AED 2,000 admin fee apply.
Ready — New (Primary Market)
A completed property purchased directly from a developer. Same municipality fees apply. Some RAK developers absorb the buyer's transfer fee as a promotional incentive during launches.
Off-Plan
Property purchased before or during construction. Standard transfer fees apply at the time of registration. A developer NOC is required for any secondary market resale before handover.
RAK vs Dubai vs Sharjah Fee Comparison
| Fee | RAK | Sharjah | Dubai |
|---|---|---|---|
| Transfer Fee (Buyer) | 2% | 2% | 4%* |
| Municipal / Other Levy | None | 0.5% | None |
| Admin Fee | AED 2,000 | AED 1,000–1,020 | AED 580 |
| Title Deed Fee | AED 250 | Included | AED 250 |
| Mortgage Registration | 0.25% + AED 290 | 0.25% + AED 150 | 0.25% + AED 290 |
| Agency Commission | 2% + 5% VAT | 2% + 5% VAT | 2% + 5% VAT |
* Dubai's 4% is officially split 2% buyer + 2% seller but buyers typically pay the full amount.
Complete RAK Fee Reference
| Fee | Amount | VAT? | When |
|---|---|---|---|
| Transfer Registration Fee | 2% of price (buyer) | No | Always |
| Admin Fee | AED 2,000 | No | Always |
| Title Deed Issuance | AED 250 | No | Always |
| Mortgage Registration | 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 2,000 | No | Off-plan resale |
| Conveyancing / Legal Fees | AED 5,000–10,000 | No | Optional |
Key Rules for RAK Property
- 2% + 2% structure — RAK officially charges 2% to the buyer and 2% to the seller separately. Unlike Dubai, buyers don't customarily cover the seller's portion. Always confirm who pays what in your Sale & Purchase Agreement.
- No VAT on residential property — VAT (5%) applies to services only: bank arrangement fees, valuation, and agency commission.
- Wynn Al Marjan Island effect — The upcoming Wynn Casino Resort has significantly increased RAK property prices and interest. Budget for competitive pricing in Al Marjan Island projects.
- Foreign ownership — RAK has expanded freehold zones for non-nationals. Confirm designated areas with RAK Municipality before purchase.
- Developer promotions — Some RAK developers (especially for off-plan launches) absorb the buyer's 2% transfer fee. Always confirm with the developer.