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