Sharjah SRERD Fee Calculator (UAE)
Calculate all Sharjah property buying costs for 2026: SRERD transfer fee (2%), municipal levy (0.5%), mortgage registration, bank fees, agency commission, and conveyancing.
What Are Sharjah Property Transfer Costs?
Buying property in Sharjah is significantly cheaper than Dubai in terms of transfer costs. The SRERD (Sharjah Real Estate Registration Department) transfer fee is only 2% of the property value — half of Dubai's 4% — making Sharjah one of the most cost-effective emirates for property investment.
Property Types in Sharjah
Ready — Resale (Secondary Market)
A completed property sold by an existing owner. Full admin/title deed fee of AED 1,020 applies. Most common transaction type in Sharjah.
Ready — New (Primary Market)
A completed property purchased directly from a developer. Same SRERD transfer and municipal fees apply. Agency commission may be lower or waived as developers have in-house teams.
Off-Plan
Property purchased before completion. Admin fee is reduced to AED 500. A developer NOC is required for any resale before handover.
Sharjah vs Dubai Fee Comparison
| Fee | Sharjah (SRERD) | Dubai (DLD) |
|---|---|---|
| Transfer / Registration Fee | 2% | 4% |
| Municipal Levy | 0.5% | None |
| Total Gov. Transfer Cost | ~2.5% | ~4% |
| Trustee Office Fee | AED 1,000 min | AED 4,200–4,410 |
| Title Deed / Admin Fee | AED 500–1,020 | AED 580 + AED 500 |
| Mortgage Registration | 0.25% + AED 150 | 0.25% + AED 290 |
| Agency Commission | 2% + 5% VAT | 2% + 5% VAT |
Complete Sharjah Fee Reference
| Fee | Amount | VAT? | When |
|---|---|---|---|
| SRERD Transfer Fee | 2% of price | No | Always |
| Municipal Levy | 0.5% of price | No | Always |
| Admin / Title Deed (Ready) | AED 1,020 | No | Ready property |
| Admin Fee (Off-Plan) | AED 500 | No | Off-plan property |
| Registration Center Fee | AED 1,000 min | No | Always |
| Mortgage Registration | 0.25% + AED 150 | No | If mortgaged |
| Bank Arrangement Fee | ~1% of loan | 5% | If mortgaged |
| Property Valuation Fee | AED 2,500–5,000 | 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 3,000–10,000 | No | Optional |
Key Rules for Sharjah Property
- No VAT on residential property — VAT (5%) applies only to services such as agency commission, bank fees, and valuation.
- Lower entry cost than Dubai — Total government-level costs are ~2.5% vs Dubai's ~4%, saving AED 15,000+ on a AED 1M property.
- Foreign ownership rules — Non-GCC nationals can own property in designated freehold areas only. Confirm eligibility before purchase.
- Mortgage LTV limits — UAE Central Bank mandates minimum 20% down payment for residents (25% for non-residents).
- Promotional discounts — Sharjah sometimes offers 50% off SRERD fees during the ACRES real estate exhibition. Check with SRERD for current promotions.