Total Cost Calculator
The asking price is typically only 92–93% of what you'll actually pay. DLD fees, agency commission, mortgage registration — see exactly where every dirham goes.
Total closing costs
AED 91,010
Total first-year costs
AED 20,220
Grand total
AED 111,230
Closing cost as % of price
4.6%
DLD Transfer Fee
AED 80,000
4% of property value payable to Dubai Land Department
DLD Admin Fee
AED 630
DLD administration fee
Registration Fee
AED 4,410
DLD property registration
Title Deed Issuance
AED 265
Title deed issuance fee
Mapping Fee
AED 265
Property mapping/survey fee
Knowledge & Innovation Fee
AED 30
DLD knowledge fee (15) + innovation fee (15)
Service Partner Fee
AED 4,410
Trustee/service center handling fee
NOC Fee
AED 1,000
No Objection Certificate from developer
Annual Service Charges
AED 16,000
Estimated 0.8% of property value
DEWA Deposit
AED 2,000
Electricity and water security deposit
Ejari Registration
AED 220
Tenancy contract registration (if renting out)
Home Insurance
AED 2,000
Building and contents insurance (estimated)
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Frequently Asked Questions
What is the total cost of buying property in Dubai?
For a cash purchase, budget 7–8% above the property price: 4% DLD transfer fee, 2% agent commission, and AED 5,000–10,000 in admin/trustee fees. With a mortgage, budget 9–10%: add 0.25% mortgage registration fee, ~1% bank processing fee, and AED 2,500–4,000 valuation fee. On a AED 2 million property, total upfront costs are approximately AED 150,000–200,000 above the purchase price.
What fees do buyers pay when purchasing property in Dubai?
Buyers typically pay: DLD transfer fee (4%), real estate agent commission (2% + 5% VAT), DLD admin fee (AED 580), trustee fee (AED 4,000–6,000), knowledge fee (AED 10). If financing: mortgage registration (0.25% of loan), bank arrangement fee (~1% of loan), property valuation (AED 2,500–4,000), and life/property insurance premiums.
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