How much are the fees when buying property in Dubai?

Budget roughly 6–8% of the price on top of the purchase amount. The largest item is the Dubai Land Department transfer fee at 4%, plus trustee and admin (~AED 4,500), agency at 2% + VAT if using a broker, and mortgage registration at 0.25% if financing.

What is the minimum down payment for a mortgage in the UAE?

Expat buyers typically need 20% down for property up to AED 5M, and 25% for property above AED 5M. UAE nationals get slightly higher loan-to-value. Off-plan purchases follow the developer payment plan instead.

What property value qualifies for the UAE Golden Visa?

A single property valued at AED 2,000,000 or more qualifies the owner for the renewable 10-year Golden Visa, including ready and off-plan units with a payment ledger reaching that value.

What rental yield can you get in Dubai?

Mid-market communities such as JVC, Arjan and Town Square commonly deliver 6.5–7.5% gross yield in 2026, while prime beachfront areas like Palm Jumeirah and Downtown trade yield for capital appreciation at around 4.5–5.5%.

The Tools

Run the numbers before anyone runs them for you.

Five calculators that turn a headline price into the real decision: monthly repayments, the true cash to complete, net yield after charges, the off-plan payment schedule, and whether it clears the Golden Visa line. No sign-up, no email.

Financing

UAE Mortgage Calculator

Estimate monthly repayments on a UAE home loan. Expats typically need 20% down (25% for property over AED 5M); most banks lend up to 25 years to age 65–70.

Property priceAED 2,000,000

Down payment20 %

Interest rate (EIBOR-linked)4.25 %

Term25 years

Loan amountAED 1.60M

Down paymentAED 400,000

Total interest over termAED 1.00M

Monthly repaymentAED 8,668

Indicative only. Actual rates depend on the bank, salary/business income, and whether the rate is fixed or variable. Pre-approval takes 3–5 working days.

Transaction

Total Purchase Cost & DLD Fee Calculator

The sticker price is never the cash you need. This adds the Dubai Land Department 4% transfer fee, trustee, agency and mortgage registration so you know the true entry cost.

Property priceAED 2,000,000

Buying via an agent (2% + VAT)Financing with a mortgage (0.25% reg.)

DLD transfer fee (4%)AED 80,000

DLD admin + trusteeAED 4,780

Agency (2% + 5% VAT)AED 42,000

Mortgage registrationAED 5,290

Conveyancing (est.)AED 6,000

Total fees on top of priceAED 138,070

On a AED 2M home, plan for roughly AED 138,070 in fees — about 6.9% of the price, mostly the DLD 4%.

Investment

Rental Yield & ROI Calculator

Gross yield sells the headline; net yield pays your mortgage. Enter the price and expected annual rent to see both, after service charges and management.

Purchase priceAED 1,200,000

Expected annual rentAED 95,000

Service charge (% of rent)14 %

Short-let / management at 5%

Gross yield7.9%

Annual costsAED 18,050

Net annual incomeAED 76,950

Net yield6.4%

Mid-market Dubai communities (JVC, Arjan, Town Square) clear 6.5–7.5% gross; prime beachfront trades yield for capital growth at 4.5–5.5%.

Off-plan

Payment Plan Simulator

See exactly what an off-plan plan asks for and when. Post-handover plans let rent offset the tail of the payments — the reason they dominate 2026 launches.

Property priceAED 1,500,000

Plan structure

On bookingAED 300,000 (20%)

During constructionAED 600,000 (40%)

On handoverAED 300,000 (20%)

Post-handoverAED 300,000 over 24 mo (AED 12,500/mo)

Cash to handoverAED 1,200,000

Plus the DLD 4% and ~AED 4,500 registration at transfer. Confirm the live schedule per phase — developers revise plans between releases.

Residency

Golden Visa Eligibility Checker

Property is the cleanest route to UAE long-term residency. A single title deed at AED 2M+ qualifies for the 10-year Golden Visa — off-plan with a 2M+ payment ledger counts too.

Property valueAED 2,000,000

The old AED 5M threshold is gone. Since 2022 a single property (ready or off-plan) valued at AED 2,000,000+ qualifies the owner — and dependents — for the renewable 10-year visa.

Property valueAED 2M

ThresholdAED 2,000,000

Result10-year Golden Visa

Eligible. The visa covers spouse, children and household staff, with no minimum stay requirement. We handle the DLD valuation and ICP application end to end.

Numbers point one way. We point at the project.

Every calculator here feeds the same decision: what to actually buy. Give the Advisor your budget and goal and it ranks real projects against these exact figures.

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