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Whatever your Dubai property dream, buying your first home, selling without the 2%, building an investment portfolio, or just figuring out where to start, we'll help you think it through with real numbers. Free, independent, and never a sales pitch. Tell us your goal and we'll come back with the verified Dubai Land Department data that actually answers it.

While you're here: what will it really cost?

If you're buying or investing, work out your monthly payment and the true upfront cash, using the UAE Central Bank rules and the actual Dubai Land Department fees.

Property price

AED

Buyer

Purpose

Down payment — 20% (AED 360,000)

Central Bank minimum for this buyer and price: 20%.

Interest rate — 4.25%

Term — 25 yrs

Monthly payment

AED 7,801

Loan amount

AED 1.44M

Down payment

AED 360,000

Loan-to-value

80%

Total interest

AED 900,309

Upfront cost to buy

Down paymentAED 360,000

DLD transfer fee (4% + AED 580)AED 72,580

Registration / trustee feeAED 4,200

Agency fee (2% + VAT)AED 37,800

Mortgage registration (0.25% + AED 290)AED 3,890

Bank arrangement fee (~1%) *AED 14,400

Property valuation *AED 3,150

Total cash neededAED 496,020

* Bank arrangement and valuation fees vary by lender. Down-payment floors follow UAE Central Bank caps: a primary residence needs 20% down up to AED 5M and 30% above it (15%/25% for UAE nationals); an investment or second property needs a flat 40% (35% for nationals) at any price. Off-plan purchases require 50% down. Transfer, registration and agency fees follow the Dubai Land Department schedule. Indicative only, not a mortgage offer or financial advice.

Dubai Diligence is an independent property-data service, not a brokerage. Guidance is informational, not legal, financial, or tax advice. Figures are from official Dubai Land Department records.