Dubai Property
Investment Guides
Buying Guide
How to Buy a Property in Dubai
01Calculate Your Budget and Costs
Include DLD transfer fee (4%), agency fee (2%), and down payment requirements (25% for expats). Always budget for service charges and mortgage costs.
02Get Mortgage Pre-Approval
Getting pre-approved confirms your budget and strengthens your position. Valid for 60 days with most UAE banks.
03Choose a Licensed Real Estate Agent
Work with a RERA-licensed agent such as Valorem real estate to access verified listings, off-plan projects, and expert guidance.
04View and Compare Properties
Visit multiple communities to compare layouts, amenities, and lifestyle. Consider both ready and off-plan options.
05Make a Formal Offer
Offers typically require a 10% deposit cheque plus passport/Emirates ID copies. A written offer boosts acceptance chances.
06Sign the Memorandum of Understanding (MOU)
The MOU (Form F) outlines price and terms, signed at the Registration Trustee Office with both parties present.
07Sales Progression Process
Covers final mortgage approval, valuation, and preparation of transfer documents.
08Apply for the No Objection Certificate (NOC)
The developer issues the NOC once all outstanding service charges are cleared. Required before transfer.
09Transfer Ownership at the Dubai Land Department
Done at the DLD Trustee Office. Buyer pays balance, seller hands over title deed. RECEIVE KEYS AND COMPLETE HANDOVER.