What does it really cost to buy property in Dubai?
On top of the price, budget roughly 6–9% in one-off costs. The largest is the 4% Dubai Land Department transfer fee; the rest are trustee, agency and (if financing) mortgage and bank fees. Enter your details for an itemised estimate.
Trustee, agency and NOC fees vary; NOC and bank valuation are estimates. Off-plan pays the 4% as an Oqood fee at booking (no second 4% at handover) and agency fees are often covered by the developer. Confirm exact figures with the DLD and your bank.
Dubai buying costs — explained
What costs do you pay when buying property in Dubai?
The main cost is the 4% DLD transfer fee. Add trustee registration (about AED 4,200), DLD admin fees, and 2% + VAT agency commission on ready property. With a mortgage, add 0.25% mortgage registration plus bank arrangement and valuation fees.
Who pays the 4% DLD fee in Dubai?
Legally it is split 50/50, but by market convention the buyer usually pays the full 4%.
Are buying costs different for off-plan?
Yes. Off-plan pays the 4% as an Oqood registration fee at booking; there is no second 4% transfer at handover, and agency commission is often covered by the developer.
How much cash do I need in total?
For a cash purchase, roughly the price plus 6–9% in costs. With a mortgage, your down payment (based on your LTV) plus the one-off buying costs.