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Six steps from budget to keys, with what each one costs.
Add the 4% DLD fee, about 2% agency on resale, and the trustee and title deed fees. The budget calculator does it for you.
Residents put down from 20%, non-residents from 50% of the price.
Compare price per sq ft, handover date and the developer's record.
The deposit is held by the agent or developer until transfer.
The seller gets the developer's NOC; both sides sign at a DLD trustee office.
Ready: on transfer. Off-plan: after the handover inspection.
| Item | Amount |
|---|---|
| Down payment 20% | AED 300,000 |
| DLD transfer fee 4% | AED 60,000 |
| Trustee + title deed | AED 4,780 |
| Mortgage registration | AED 3,000 |
| Total cash needed | AED 367,780 |
Example price with an 80% resident mortgage. Agency fee not included.
DLD fee schedule · UAE Central Bank mortgage rulesSteps, fees and documents from budget to keys on one printable list, with boxes to tick as you go.
Sophia checks every live project and shows the source behind every number.
Figures shown are indicative examples for illustration, not live listings or return guarantees. Actual yields, appreciation and payment terms vary by project, unit and developer.
Define your investment goals and research the market
Secure your financing and finalize your budget
Complete all legal requirements and paperwork
Prepare for property handover and post-purchase
Failing to verify developer credentials and track record
Choosing property based on price alone without considering location
Not accounting for registration fees, service charges, and maintenance
Not having contracts reviewed by legal professionals
Failing to make scheduled payments on time
Not planning what to do with the property after handover
Begin with a single property to understand the process before scaling your portfolio
Prioritize prime locations with strong infrastructure and connectivity
Always visit the showroom and location before making final commitment
Leverage calculators to understand true costs and potential returns