Dubai Property Purchase Cost Calculator (Price + DLD Fees)
The 4% Land Department fee and every other charge on a Dubai purchase, item by item.
Dubai · property purchase Dubai Land Department fees · Sources
Each charge
| Charge | Buyer | Seller |
|---|
Rules used and official sources
- Property Sale Registration: service fees (Dubai Land Department)
- Registering the Sale of a Mortgaged Property: service fees, mortgage registration included (Dubai Land Department)
- Real estate legislation, with Executive Council Resolution No. 30 of 2013 approving the Land Department’s fees (Dubai Land Department)
- Frequently asked questions (Dubai Land Department)
- Mortgage regulations, Article 3: debt burden, loan-to-value, term and maximum financing (CBUAE Rulebook)
Results are estimates for general information and planning, not financial advice. Banks and institutions may calculate differently (rounding, fees, rate changes). Confirm figures with your lender or a qualified adviser before deciding.
About the Dubai Property Purchase Cost Calculator (Price + DLD Fees)
Buying property in Dubai costs more than the price. The Dubai Land Department charges a transfer fee of 4% of the sale value, which the seller and the buyer share equally unless they agree otherwise. A ready property also pays the registration trustee office (AED 4,000 + VAT, or AED 2,000 + VAT below AED 500,000) and the title deed and map fees, and a mortgage is registered at 0.25% of the loan.
Enter the price, the mortgage and your broker’s commission to see each charge, who pays it, the buyer’s total and the cash you need with your down payment. The fees come from the Land Department’s own service cards and fee resolution; everything is worked out in your browser.
How to use it
- Enter the purchase price and choose a ready property or an off-plan purchase from the developer.
- For a ready property, choose what it is (a building or apartment, or land): that sets the map fee.
- Choose who pays the 4% fee: half each, all the buyer or all the seller, as your contract says.
- Enter the mortgage amount, if any, your broker’s commission and any other costs, such as the bank’s arrangement and valuation fees.
- Read the buyer’s costs, the cash you need and each charge; copy the summary or download the table as a CSV file.
Examples
2% × 1,500,000 + 4,200 + 520
Buyer AED 34,720 (2.31% of the price) · seller AED 30,000
Buyer’s costs AED 99,740 · cash needed AED 399,740 with the AED 300,000 down payment
Buyer AED 11,595: AED 9,000 transfer fee, AED 2,100 trustee fee, AED 495 title deed and map
AED 42,250: half of the 4% registration fee and AED 2,250 mortgage registration, before the developer’s own fees
The fees
- Transfer fee: 4% of the sale value (Executive Council Resolution No. 30 of 2013). Unless agreed otherwise the seller and the buyer pay half each, and the Land Department’s card shows 2% each (Property Sale Registration). Off-plan sales registered in the interim register (Oqood) pay the same 4%.
- Registration trustee office: AED 4,000 + VAT (AED 4,200) when the price is AED 500,000 or more, AED 2,000 + VAT (AED 2,100) below.
- Title deed: AED 250, with a map: AED 250 for a building or apartment, AED 225 for land on Dubai Municipality’s unified map, AED 100 for other land, and the knowledge and innovation fees of AED 10 each.
- Mortgage registration: 0.25% of the loan, with a title deed, a map and the two AED 10 fees (Land Department card). The borrower pays it unless agreed otherwise.
Off-plan purchases
A developer records its sales through its own registration system, and the 4% fee applies to the registration in the interim register (Oqood) as it does to a completed sale. Ask the developer for its own admin fees and add them under other costs. The Central Bank caps a mortgage on an off-plan purchase at 50% of its value: the UAE Mortgage Affordability Calculator works out the loan you can get.
Broker, bank and other costs
The broker’s commission is what the brokerage agreement says, or the prevailing custom if it says nothing (Law No. 85 of 2006, Land Department FAQ); tick VAT to add 5% to it. A bank may charge its own arrangement and valuation fees for a mortgage, and a resale in a freehold area needs the developer’s no-objection certificate: enter what they charge under other costs.
Who pays what
Resolution No. 30 of 2013 makes the transfer fee a shared cost unless the parties agree otherwise, and the Land Department’s FAQ puts the costs of a mortgage contract on the borrower unless agreed otherwise. The trustee office, title deed and map fees are listed under the buyer here because they are for the buyer’s title deed; your sale contract decides.
Limitations
- The fees come from the Land Department’s service cards and fee resolution: small service fees can change, so check the service card before you pay.
- Dubai only: the other emirates have their own land departments and fees.
- Developer fees, bank fees, valuation, service charges and moving costs are not known to the calculator: add them under other costs.
- The extra fees for buying a property that is still mortgaged to the seller’s bank (the release of that mortgage) are not included.
- The trustee office fee is counted as the buyer’s; your contract can put it on the seller.
Privacy
Everything happens in your browser. What you enter or open here is not uploaded or stored by MySmartCoPilot.
Frequently asked questions
How much is the DLD fee in Dubai?
The transfer fee is 4% of the sale value. On a AED 1,500,000 apartment that is AED 60,000: AED 30,000 each when the seller and the buyer share it, which is the rule unless they agree otherwise.
Who pays the 4% transfer fee, the buyer or the seller?
Unless they agree otherwise, they share it equally (Executive Council Resolution No. 30 of 2013), and the Land Department’s card shows 2% each. The sale contract can put all of it on one side, so check yours.
What does it cost in total to buy a property in Dubai?
For a ready AED 1,500,000 apartment bought with cash and the 4% shared: AED 30,000 of transfer fee, AED 4,200 of trustee fee and AED 520 for the title deed and map, so AED 34,720 or about 2.3% of the price; AED 64,720 if the contract puts the whole 4% on the buyer. A mortgage adds 0.25% of the loan plus AED 520, and a broker adds the commission.
How much is the mortgage registration fee in Dubai?
0.25% of the loan, plus AED 250 for a title deed, the map fee and AED 20 of knowledge and innovation fees on the Land Department’s card. A AED 1,200,000 loan costs AED 3,000 + AED 520 for an apartment.
Do off-plan buyers pay the DLD fee?
Yes. The 4% applies to off-plan sales registered in the interim register (Oqood), and the developer may add its own fees.
Is my information sent anywhere?
No. Everything is calculated in your browser; nothing you enter is uploaded or stored on a server.