Dubai mortgage fees
On a Dubai purchase the Land Department charges 4% to register the sale and 0.25% of the mortgage amount to register the mortgage. The title deed fee on that service is AED 250, with AED 10 knowledge and AED 10 innovation fees. Bank arrangement fees and the valuation are extra and come from the offer, not from this page.
A&A Mortgage Services is the name we use for Mortgage Broker LLC.
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Worked example, not a quote
On a AED 2,000,000 purchase with a AED 1,600,000 loan, the published Land Department figures come out as follows. Change the price in the calculator and the same rates apply. This is not a bank offer.
| Sale registration, 4% | AED 80,000 |
|---|---|
| Mortgage registration, 0.25% | AED 4,000 |
| Title deed | AED 250 |
| Knowledge and innovation fees | AED 20 |
| Trustee service fee, plus VAT | AED 4,000 |
The trustee line is the service-partner fee the Land Department publishes for an ordinary mortgage. Arrangement fees and the valuation are not in this table.
Land Department fees
The Dubai Land Department fee for registering a sale is 4% of the purchase price. Registering the mortgage itself is 0.25% of the mortgage amount. The same service lists AED 250 to issue the title deed, and AED 10 knowledge and AED 10 innovation fees. A trustee office that registers the mortgage is shown at AED 4,000 plus VAT. The bank's arrangement fee and valuation fee are extra, and they are written in the offer.
The 4% sale fee and the 0.25% mortgage fee are in Executive Council Resolution No. 30 of 2013 and on the Land Department's mortgage registration service. The AED 4,000 plus VAT is the service-partner fee on that page for an ordinary mortgage. A provisional Oqood registration is listed at AED 5,000 plus VAT. A bank that registers without a trustee may not bill that line in the same way.
What we will not guess
Arrangement fees, mortgage life insurance and the valuation fee differ by lender and by the size of the loan. They belong in the offer. Putting a single percentage on this page would invent a tariff the bank has not published to us.
Agency commission, if there is any, is agreed in your contract with the brokerage. It is not a Land Department fee and it is not a mortgage fee.
Questions
Executive Council Resolution No. 30 of 2013 sets the fee for registering a real property sale contract at 4% of the sale value. Buyers usually pay it. The contract can say otherwise.
The Land Department charges 0.25% of the mortgage value for an ordinary mortgage. The same service page lists AED 250 for the title deed and AED 10 each for the knowledge and innovation fees.
That is the service-partner fee the Land Department publishes for an ordinary mortgage registration, plus VAT. The off-plan provisional figure on the same page is AED 5,000 plus VAT. If the bank registers the mortgage itself, ask what it will actually charge.
No. The 4% is the transfer fee. The bank's arrangement fee, the valuation and any life policy are separate, and they are in the offer.