Dubai Property Costs & Fees: Complete Breakdown
Plan your investment with full transparency. Understand every cost involved in buying and owning property in Dubai.
6-8%
Total Purchase Costs
4%
DLD Transfer Fee
0%
Annual Property Tax
Capital Gains Tax
Purchase Costs Breakdown
All one-time costs when buying property in Dubai.
Government Fees
Of property value, paid at transfer
Required
Title Deed Issuance
Fixed fee for title deed
AED 580
DLD Admin Fee
Administrative processing fee
AED 4,200
Agency & Service Fees
Real Estate Commission
Standard agency commission
2%
NOC Fee
No Objection Certificate from developer
AED 500-5,000
Conveyancing Fee
Legal/admin processing (if applicable)
AED 5,000-10,000
Optional
Mortgage-Related (If Financing)
Mortgage Registration
Of loan amount, paid to DLD
0.25%
Bank Processing Fee
Of loan amount, varies by bank
0.5-1%
Property Valuation
Required for mortgage approval
AED 2,500-3,500
Life Insurance
Often required by banks
Varies
Example Cost Calculation
For a AED 2,000,000 property (cash purchase)
+6.36% of property price
Tax Advantages in Dubai
Dubai offers significant tax benefits for property investors.
None
No recurring property tax in Dubai
No tax on property appreciation
Rental Income Tax
No tax on rental income in UAE
Inheritance Tax
No inheritance tax in UAE
Ongoing Ownership Costs
Recurring expenses to factor into your investment returns.
Service Charges
Building maintenance, common areas, facilities. Varies significantly by development—luxury buildings charge more.
Note: Ask for service charge history before buying. Increases are common.
DEWA (Utilities)
Electricity and water. Depends on unit size, AC usage, and occupancy.
Note: District cooling charges apply in some areas (additional AED 5-15/sqft/year).
Property Insurance
Building insurance usually included in service charges. Contents insurance is optional.
Note: Recommended for furnished rental properties.
Property Management
If using a management company for tenant finding, rent collection, and maintenance.
Note: Essential for overseas investors who cannot manage property directly.
Cost-Saving Tips
Negotiate Agency Commission
While 2% is standard, some agents offer competitive rates for high-value purchases.
Compare Mortgage Offers
Bank processing fees and interest rates vary significantly. Get quotes from 3-4 banks.
Check Service Charge History
Request 3 years of service charge history before buying. Some buildings have unexpected increases.
Consider Off-Plan Payment Plans
Off-plan purchases spread costs over 2-4 years, reducing upfront capital requirements.
Get a Personalized Cost Estimate
Our team can provide a detailed cost breakdown for specific properties you're considering, including financing options.
Stay Informed
Get market insights and exclusive opportunities
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