Dubai calculators
DLD fees calculator.
Every cheque you write at the Dubai Land Department — transfer, trustee, NOC, registration, agency — in one clean breakdown. Ready or off-plan.
Your transaction
Property type
Financing
Total closing fees
Total closing fees
7.55% of property price
Full breakdown
Total
- DLD transfer fee
53.053.0 %80,00080,000 - Agency commission
26.526.5 %40,00040,000 - Mortgage arrangement
10.610.6 %16,00016,000 - Trustee office fee
2.82.8 %4,2004,200 - Mortgage registration
2.62.6 %4,0004,000 - Property valuation
2.02.0 %3,0003,000 - Agency VAT (5%)
1.31.3 %2,0002,000 - NOC fee
1.01.0 %1,5001,500 - Mortgage reg admin
0.20.2 %290290 - OQOOD Issuance
0.00.0 %4040
Rule of thumb: 7–8% of price with mortgage, 5–6% cash. Trustee fees vary slightly by office; some pre-2020 buildings add developer NOC charges.
We handle DLD submissions, trustee appointments, and buyer-side escrow end-to-end.
Answers
Frequently asked.
4% of the property value. Technically the DLD specifies a 2%/2% buyer/seller split, but in practice the buyer almost always pays the full 4% unless explicitly negotiated otherwise in the Form F MOU.
AED 4,200 for ready properties over AED 500,000 and for off-plan property AED 3,675. Below AED 500,000 the fee drops to AED 2,100. Paid at the DLD trustee office at transfer.
Yes — 0.25% of the loan amount, plus AED 290 admin. Paid only if purchasing with a mortgage. This is separate from the 4% property transfer fee.
Residential sales are VAT-exempt. Agency commission is subject to 5% VAT (charged on the 2% commission). Off-plan property is subject to VAT at the standard rate but this is usually absorbed by the developer.
Annual service charges (AED 10–35 per sqft), community fees (villas), utility connections (DEWA deposit AED 2,000–4,000), Ejari (AED 220) if renting out, and home insurance (~AED 1,000–3,000/year).
A No Objection Certificate from the developer confirms there are no outstanding service charges before transfer. Developer NOC fees typically range from AED 500 to AED 5,000 depending on the developer, and are usually paid by the seller.
OQOOD is the DLD's interim registration system for off-plan property. The developer registers the sale and the 4% DLD fee is paid via an off-plan trustee office (AED 3,675), with the title deed issued only on handover.
The standard buyer's agency commission is 2% of the purchase price plus 5% VAT, paid by the buyer at transfer. On rentals the commission is typically 5% of the annual rent.
The OQOOD issuance line in the breakdown above is a small fixed DLD fee (AED 40), paid at registration. The title deed itself is issued to the buyer at transfer for a ready property, or on handover for off-plan, alongside the 4% transfer fee and the trustee fee.
UAE banks generally lend only against the property value and require the buyer to fund the 4% DLD fee and other closing costs in cash. Budget roughly 7–8% of the price on top of your down payment for all fees combined.
