Tools & Resources
Property Cost Calculator
Every fee on top of the price, itemised, for ready and off-plan purchases, with or without a mortgage.
Your purchase
Total one-off costs
AED 95,970
On top of the price or down payment
Share of the price
6.4%
Price plus costs
AED 1,595,970
Cash purchase
AED 1,500,000
7 cost items
| Item | Amount |
|---|---|
| DLD transfer fee | AED 60,000 |
| DLD knowledge and innovation fees | AED 20 |
| Title deed issuance | AED 250 |
| Trustee office fee | AED 4,000 |
| VAT on trustee fee | AED 200 |
| Agency commission | AED 30,000 |
| VAT on agency commission | AED 1,500 |
| Total one-off costs | AED 95,970 |
Assumptions & sources
Every figure this calculator uses. “Official” figures come from the named authority; “Typical, confirm” figures vary by provider and should be checked before you commit. Last reviewed 22 October 2026.
DLD property transfer fee
4%
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026DLD sets 2% for the buyer and 2% for the seller. In practice the buyer usually pays the full 4%; it is negotiable, so this estimate charges 4% to the buyer.
DLD knowledge and innovation fees, ready unit
AED 20
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026AED 10 knowledge fee plus AED 10 innovation fee.
DLD knowledge and innovation fees, off-plan unit
AED 20
OfficialDubai Land Department: initial (off-plan) sale registration (opens in a new tab)Last reviewed 22 October 2026AED 10 knowledge fee plus AED 10 innovation fee on the initial (Oqood) sale registration.
Title deed issuance fee
AED 250
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026Title deed certificate issuance. Applied to ready units only; off-plan units receive a title deed on handover.
Trustee fee price threshold
AED 500,000
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026Properties below this price pay the lower trustee fee; at or above it, the higher fee.
Trustee office fee, price below AED 500,000
AED 2,000
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026DLD service partner (registration trustee) fee, before VAT.
Trustee office fee, price AED 500,000 or more
AED 4,000
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026DLD service partner (registration trustee) fee, before VAT.
Mortgage registration fee, share of the loan
0.25%
OfficialDubai Land Department: mortgage registration (opens in a new tab)Last reviewed 22 October 2026Charged on the mortgage value when the mortgage is registered.
Mortgage registration, fixed DLD fees
AED 270
OfficialDubai Land Department: mortgage registration (opens in a new tab)Last reviewed 22 October 2026AED 250 title deed issuance plus AED 10 knowledge and AED 10 innovation fees. A separate service partner fee may also apply; confirm with your trustee.
Bank arrangement fee, share of the loan
1%
Typical, confirmUAE bank tariffs (confirm with your lender) (opens in a new tab)Last reviewed 22 October 2026Banks charge up to 1% of the loan; many charge less. Confirm with your lender.
Property valuation fee
AED 3,000
Typical, confirmUAE bank tariffs (confirm with your lender) (opens in a new tab)Last reviewed 22 October 2026Typically AED 2,500 to 3,500 depending on the bank and property.
Agency commission on purchase
2%
Market conventionDubai market practice (not a regulated fee) (opens in a new tab)Last reviewed 22 October 2026Customary 2% of the price, plus VAT. Negotiable and not charged on every purchase.
VAT on fees and commission
5%
Applied to the trustee fee and the agency commission.
Estimates only — not financial advice. Confirm fees with your trustee office and bank.