5.0 ★★★★★
79 REVIEWS

Zamzam Properties

5.0★★★★★79 reviews

🏠 UAE Property Fees Calculator

Calculate all buying costs — DLD, agency, mortgage fees & hidden charges across all Emirates

🏛️ All 7 Emirates📊 Visual Charts🏗️ Off-Plan + Ready💱 Multi-Currency⚖️ Compare Properties
AED
Ready Property
4%
20%
Yes
2%
AED+VAT
AED+VAT
AED+VAT
AED
🏅 Golden Visa Eligible!  Properties AED 2M+ may qualify for a 10-year Golden Visa.
Total Cash Needed
AED 535,280
Includes down payment, fees & charges
🇺🇸
$145,760
US Dollar
🇪🇺
€134,220
Euro
🇬🇧
£115,680
British Pound
Total Cost Breakdown
Fee Categories
🏛️ Government & Transfer Fees
🏢 Agency & Other Fees
📋 Summary
Property A
%
—
Total cash needed
Property B
%
—
Total cash needed
Enter values to compare
Side-by-Side Comparison
⚠️ Estimates only. Actual costs may vary by developer, bank & regulations. Not financial advice. Based on DLD, RERA & UAE emirate regulations — Feb 2026.

How Much Does It Cost to Buy Property in Dubai in 2026?

Buying property in Dubai is not just about the listing price. The actual cash you need on transfer day is 7% to 10% higher than the property value.

On a AED 2 million apartment, that means AED 140,000 to AED 200,000 in additional fees on top of your down payment. These include the 4% DLD fee, agent commission, trustee charges, mortgage registration, and developer NOC — all due upfront before you get the keys.

This calculator gives you the exact number so there are no surprises when you sit at the trustee office.

What Is the DLD Fee in Dubai and How Much Is It?

The DLD fee is a 4% charge on the property purchase price, collected by the Dubai Land Department at the time of ownership transfer. It is the single largest buying cost after your down payment.

On a AED 1 million property, you pay AED 40,000. On AED 3 million, you pay AED 120,000. Dubai Law No. 7 of 2006 technically splits this fee equally between buyer and seller.

In practice, the buyer pays the full 4% in almost every transaction. This fee cannot be financed through your mortgage — it must come from your own cash. Payment is made at a DLD-authorised trustee office through manager’s cheque, bank transfer, or the Noqodi payment gateway.

DLD fees must be settled within 60 days of the transaction to avoid penalties. Abu Dhabi charges 2%, Sharjah charges 3%, and emirates like RAK, Fujairah, and UAQ charge 2%. This calculator auto-adjusts the transfer rate when you select a different emirate.

Complete Breakdown of Property Buying Fees in Dubai (2026)

Here is every fee you will pay when buying a ready property in Dubai with a mortgage:

DLD Transfer Fee — 4% of purchase price. Paid by the buyer at the trustee office.

Admin and Title Deed Fee — AED 580 for apartments and offices. AED 430 for land. AED 40 for off-plan contracts.

Trustee Office Fee — AED 4,000 for properties above AED 500,000. AED 2,000 for properties below AED 500,000. Add 5% VAT on top.

Mortgage Registration Fee — 0.25% of the loan amount, minimum AED 1,000, plus AED 290 registration charge. Paid to DLD when the mortgage is registered.

Bank Arrangement Fee — 0.5% to 1% of the loan amount. Charged by the bank for processing the mortgage.

Property Valuation Fee — AED 2,500 to AED 3,500 plus VAT. Required by the bank before mortgage approval.

Real Estate Agent Commission — 2% of the property price plus 5% VAT. Standard market practice. Negotiable on high-value properties.

Developer NOC Fee — AED 500 to AED 5,000 depending on the developer. Confirms all service charges are cleared before transfer.

DEWA Deposit — AED 2,000 for apartments, AED 4,000 for villas. Refundable security deposit for electricity and water connection.

The total comes to approximately 7% to 10% of the purchase price in additional costs. Our calculator computes every line item so you see the full picture before making an offer.

How Much Down Payment Do You Need to Buy Property in Dubai?

The UAE Central Bank sets minimum down payment requirements based on residency status and property value:

Expats buying a property under AED 5 million need a minimum 20% down payment. For properties above AED 5 million, the requirement increases to 30% to 35%.

UAE nationals need a minimum 15% down payment for their first property.

GCC nationals follow similar rules to UAE nationals in most emirates.

Important: all transaction fees — DLD, agent commission, trustee, NOC — must be paid separately in cash. Banks cannot include these in your mortgage. So if you are buying a AED 2 million property as an expat, you need AED 400,000 for down payment plus approximately AED 135,000 in fees. That is AED 535,000 in total cash before the bank funds the remaining AED 1,600,000.

Relevant Calculator List:

  1. Mortgage Calculator in Dubai
  2. Dubai Rent vs Buy Calculator
  3. Golden Visa Eligibility Calculator
  4. Dubai Cost of Living Calculator 2026