The true cost of your purchase, with no nasty surprises.
Dubai Land Department fees, trustee office, agency, bank: we show you everything, to the last dirham, before you sign. Three typical cases computed on our fee schedule, then your own calculation in seconds.
- 6.3%
- fees on a cash resale
- 4%
- fees on a cash off-plan purchase
- 60%
- maximum financing on an investment property (Central Bank)
- 7 November 2026
- fee schedule date
Written by the SwissPro360 team
An unfamiliar acronym or term (Oqood, NOC, LTV, DBR…)? The glossary explains them, with sources. Glossary →
Resale, cash purchase
Completed property bought through an agency
- Dubai Land DepartmentAED 80,560(≈ EUR 19,800)
- Trustee officeAED 4,200(≈ EUR 1,030)
- AgencyAED 42,000(≈ EUR 10,300)
Line-by-line breakdown
- Frais de transfert DLD (4 % : le DLD prévoit 2 % acheteur + 2 % vendeur ; l'acheteur paie souvent tout)AED 80,000(≈ EUR 19,700)
- Titre de propriété + plan cadastral + frais DLD Innovation et KnowledgeAED 560(≈ EUR 138)
- Bureau fiduciaire (trustee), TVA incluseAED 4,200(≈ EUR 1,030)
- Commission d'agence 2 % + TVA 5 % (barème SwissPro360 du 06/11/2026)AED 42,000(≈ EUR 10,300)
Off-plan, cash purchase
Bought directly from the developer
- Dubai Land DepartmentAED 60,270(≈ EUR 14,800)
Line-by-line breakdown
- Frais de transfert DLD (4 % : le DLD prévoit 2 % acheteur + 2 % vendeur ; l'acheteur paie souvent tout)AED 60,000(≈ EUR 14,800)
- Frais DLD Oqood (Knowledge + Innovation)AED 20(≈ EUR 5)
- Conversion en titre de propriété à la livraison (plus tard)AED 250(≈ EUR 62)
Resale with a mortgage, non-resident
Worked example: assumed down payment and rates
- Dubai Land DepartmentAED 80,560(≈ EUR 19,800)
- Trustee officeAED 4,200(≈ EUR 1,030)
- AgencyAED 42,000(≈ EUR 10,300)
- Bank (mortgage)AED 19,545(≈ EUR 4,820)
Example assumptions, not an offer: 40% down payment, 4.5% – 6.2% interest rate. Rates are negotiated bank by bank.
UAE Central Bank financing cap, “expatriates” category. It is 60% of the value for an investment or second property, 50% for an off-plan property. The regulation has no category of its own for non-residents and allows each bank to require a larger down payment. Ask each bank the cap it offers a non-resident.
Line-by-line breakdown
- Frais de transfert DLD (4 % : le DLD prévoit 2 % acheteur + 2 % vendeur ; l'acheteur paie souvent tout)AED 80,000(≈ EUR 19,700)
- Titre de propriété + plan cadastral + frais DLD Innovation et KnowledgeAED 560(≈ EUR 138)
- Bureau fiduciaire (trustee), TVA incluseAED 4,200(≈ EUR 1,030)
- Commission d'agence 2 % + TVA 5 % (barème SwissPro360 du 06/11/2026)AED 42,000(≈ EUR 10,300)
- Enregistrement de l'hypothèque (0,25 % du prêt + 270 AED)AED 3,270(≈ EUR 806)
- Évaluation bancaire (fourchette haute, TVA incluse)AED 3,675(≈ EUR 905)
- Frais de dossier bancaire (jusqu'à 1 % du prêt + TVA)AED 12,600(≈ EUR 3,100)
Line items are shown as published in our fee schedule, in French.
Are there notary fees in Dubai?
Not in the French sense: no notary is involved. The transfer of ownership is registered by the Dubai Land Department, usually at a trustee office it licenses. Off-plan, the sale is entered in the Oqood interim register. What a French buyer calls notary fees therefore corresponds here to the DLD and trustee office fees, detailed line by line above. In our example, that comes to 6.3% in total costs for a cash resale, agency included.
Buying an apartment in Dubai: every step →Compute for your price
Same schedule, your settings
- Dubai Land DepartmentAED 80,560(≈ EUR 19,800)
- Trustee officeAED 4,200(≈ EUR 1,030)
- AgencyAED 42,000(≈ EUR 10,300)
Line-by-line breakdown
- Frais de transfert DLD (4 % : le DLD prévoit 2 % acheteur + 2 % vendeur ; l'acheteur paie souvent tout)AED 80,000(≈ EUR 19,700)
- Titre de propriété + plan cadastral + frais DLD Innovation et KnowledgeAED 560(≈ EUR 138)
- Bureau fiduciaire (trustee), TVA incluseAED 4,200(≈ EUR 1,030)
- Commission d'agence 2 % + TVA 5 % (barème SwissPro360 du 06/11/2026)AED 42,000(≈ EUR 10,300)
Simulate your mortgage
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Constant-instalment calculation, excluding insurance and arrangement fees. Each bank sets its rate based on your profile. This simulator helps you compare, while the loan offer and financing approval come from the bank.
UAE Central Bank financing cap, “expatriates” category. It is 60% of the value for an investment or second property, 50% for an off-plan property. The regulation has no category of its own for non-residents and allows each bank to require a larger down payment. Ask each bank the cap it offers a non-resident. Guide: mortgages for non-residents in Dubai
The questions every buyer asks
What are the DLD registration fees in Dubai?
The Dubai Land Department charges a transfer fee of 4% of the price. The official schedule sets 2% for the buyer and 2% for the seller. On a resale, the buyer often pays it all: agree this in the contract. Fixed fees come on top: title deed, site plan and the DLD Innovation and Knowledge fees (schedule as of 3 November 2026, source: Dubai Land Department, « Buy or sell property via Dubai Now » et « Request to register the initial sale » (site mis à jour le 03/11/2026)).
How much does buying a resale property in Dubai cost, fees included?
For a AED 2,000,000 (≈ EUR 493,000) property paid in cash, fees come to about AED 126,760 (≈ EUR 31,200). That is 6.34% of the price, agency commission included. An indicative estimate: the trustee office and the agency confirm the exact amount.
Are the fees different for an off-plan purchase?
Yes: with no agency commission when buying directly from the developer. Example: a AED 1,500,000 (≈ EUR 370,000) off-plan cash purchase. The fees are then about AED 60,270 (≈ EUR 14,800) (4.02%).
Can a non-resident get a mortgage to buy in Dubai?
Yes. UAE Central Bank financing cap, “expatriates” category. It is 60% of the value for an investment or second property, 50% for an off-plan property. The regulation has no category of its own for non-residents and allows each bank to require a larger down payment. Ask each bank the cap it offers a non-resident. Indicative example, on assumptions that are not offers. The calculation takes AED 2,000,000 (≈ EUR 493,000) with a 40% down payment over 25 years. It uses an example rate of 4.5% to 6.2%. The instalment would then range from AED 6,670 (≈ EUR 1,640) to AED 7,879 (≈ EUR 1,940). Rates are negotiated bank by bank: the loan offer itself comes from your bank.
An indicative estimate, not investment advice or a loan offer: the trustee office, the bank and the agency confirm the exact amounts.
Show the 15 sources
- 7 November 2026 — Règlement de la Banque centrale des EAU : pas de catégorie non-résident ; catégorie expatriés, 60 % pour un bien d'investissement ou un deuxième bien. Chaque banque peut exiger un apport plus élevé.
- 6 November 2026 — Barème SwissPro360 validé par le gérant (pages /honoraires)
- 3 November 2026 — Dubai Land Department, « Buy or sell property via Dubai Now » (site mis à jour le 03/11/2026)
- 3 November 2026 — Dubai Land Department, « Buy or sell property via Dubai Now » et « Request to register the initial sale » (site mis à jour le 03/11/2026)
- 3 November 2026 — Dubai Land Department, « Request to register the initial sale » (site mis à jour le 03/11/2026)
- 3 November 2026 — Dubai Land Department, « Request for mortgage registration » (site mis à jour le 03/11/2026)
- 12 October 2026 — Dubai Islamic Bank, rapporté par un courtier (source secondaire)
- 12 October 2026 — Courtiers en crédit, octobre 2026 (source secondaire)
- 1 October 2026 — Federal Tax Authority
- 30 September 2026 — Barème des bureaux fiduciaires cité par les guides 2026 (montants variables selon les sources)
- 16 July 2026 — Guides 2026
- 16 July 2026 — Guides 2026 (fourchette)
- 6 April 2026 — Pratique bancaire aux EAU
- 6 April 2026 — Règles de la Banque centrale des EAU rapportées par la presse spécialisée
- 6 April 2026 — Règles de la Banque centrale des EAU rapportées par la presse spécialisée (avril 2026)
Checklist: buying in Dubai from France, Switzerland, Belgium or Canada
A checklist to print or keep on your phone throughout your project. Free, sent by email once your address is confirmed. (12-page PDF, in French)
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