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ARISTO HOMES REALTY

Buyer’s Guide

How to Buy Property in Dubai: A Step-by-Step Guide

Buying property in Dubai is straightforward when you understand the process. This guide covers each stage, the costs involved and how to buy with confidence.

Step 1: Define Your Goals and Budget

Decide whether you are buying to live, to rent out or both. Set a budget that includes purchase costs, and if financing, get mortgage pre-approval early so you know exactly what you can afford.

Step 2: Choose a RERA-Registered Broker

Work with a licensed brokerage that knows the market. Your advisor will shortlist suitable properties, arrange viewings and guide you through negotiations.

Step 3: Make an Offer and Sign the MOU

Once you agree a price, buyer and seller sign a Memorandum of Understanding, known as Form F, which sets out the terms. A security deposit, typically 10 percent of the price, is usually held until transfer.

Step 4: Obtain the Developer NOC

For resale properties, the seller obtains a No Objection Certificate from the developer confirming there are no outstanding service charges.

Step 5: Transfer at the Dubai Land Department

Both parties, or their representatives, complete the transfer at a registered trustee office. Payments are made, the new title deed is issued in your name and the keys are handed over.

Buying Off-Plan

For off-plan purchases, you sign a sales agreement with the developer and pay according to the payment plan. The sale is registered with the Dubai Land Department, and your payments are protected in a regulated escrow account until the project is completed.

Typical Buying Costs

  • DLD transfer fee: 4 percent of the purchase price
  • Trustee office and registration fees: fixed fees based on property value
  • Agency fee: typically 2 percent plus VAT
  • Mortgage registration and arrangement fees: if financing
  • Annual service charges: vary by community and building

Fees are set by the relevant authorities and may change. Your advisor will provide a full cost breakdown before you commit.

Mortgages in Dubai

Banks offer mortgages to UAE residents and, in many cases, non-residents. Loan-to-value limits depend on residency status, property value and whether it is your first home. Getting pre-approved strengthens your negotiating position.

Documents You Will Need

  • Valid passport
  • Emirates ID and residence visa (for UAE residents)
  • Proof of funds or mortgage pre-approval
  • Signed MOU (Form F)