Frequently Asked Questions

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In order to purchase property in the UAE, you must be over 21 years of age. If you satisfy this requirement, the first step is to make an offer. A formal sales contract is drafted and agreed upon between the parties; a deposit is made; the buyer obtains financing, if needed; the seller ensures that the property is not encumbered by anything that goes against what has been stipulated; final payment is made by way of a bank draft or cash in the land department, and the title deed is transferred to the new owner. There are several charges that may apply, for example, clearance of a mortgage, a new mortgage, an administration fee, so always be sure to have extra cash in case of unforeseen circumstances. There are different sets of protocols depending on whether you purchase a completed property from a developer where you are the first time buyer, whether you purchase property that is not constructed from a developer, called an “off–plan” purchase, or if you purchase property from a private seller, called a “resale purchase”. If the purchase is from a developer, there is a payment plan in place, and at times, a mortgage/finance in place. If the buyer is obtaining financing, the seller will often require that an expatriate be “pre–approved for home financing” before signing the sales contract.


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A valid passport.


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The most important initial step is to ensure the project has been registered with RERA and that the developer has obtained the registration documents and escrow account registration from the relevant authorities. When purchasing property directly from a developer that is not constructed – an “off–plan” purchase – expatriates will need to submit a completed reservation form with a copy of their passport. The reservation form typically summarizes the basic terms and conditions of the sales agreement, the details of the payment plan, and the buyer and the seller’s personal details. If purchasing property that has yet to be completed from a developer, ensure that the purchase agreement includes the completion date and the compensation awarded if the property is not completed by that time period. Furthermore, if the property is to be furnished, ensure the details of the furniture package are attached with the sales agreement. To complete the process of buying property in Dubai, you must transfer the deeds. This is done at the developer’s office if the property has yet to be completed or at the Land Department offices in Deira if the property is already registered. The Title Deed is issued in two originals, one is held with the bank until the mortgage has been settled, the second original is held in the land department. A copy is retained with the Buyer. When the mortgage is paid in full, a letter of release and an NOC is given by the Bank and the original is given to the buyer An NOC (non objection certificate) must be obtained from the developer in order to process the Title Deed in the land department. The NOC states that the developer has no objection that the property be transferred, and if there are any liabilities against the apartment, the developer will advise.


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If purchasing from a private seller – a “resale” purchase – the buyer and seller will need to agree on the terms and conditions via a Sale and Purchase Agreement. This document also details the date of the final transfer of funds from the buyer to the seller. It is not binding. The buyer then puts down a deposit, usually in the amount of 10% of the property price or alternatively, whatever amount has been negotiated. This amount is often non-refundable unless for some reason the seller is no longer able to convey the property to the buyer. It is also necessary to pay the real estate agent’s commission at this time. The Sale & Purchase Agreement is drawn up by the Buyers Agent, the 10% is made payable in the name of the Seller. The SPA covers the price, the terms of the purchase, and the broker’s commission.


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Yes. Every individual working under a brokerage firm and as a broker of property in Dubai requires individual registration with the authorities and is issued a photo identity card with a license number from RERA. They have to attend and pass the RERA real estate course and exam, and they will be provided with an annual RERA card which is renewable. Every agent must be registered under the umbrella of a real estate company.


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The registration cost of Title Deed should be shared between the buyer and the seller, but in practice today, it is paid by the buyer. Standard fees are 2% and are paid by both parties, subject to negotiation between the parties.


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Many of the institutions that offer mortgages also offer the option of “pre–approved financing”, which allows you to have your loan approved prior to choosing which property in Dubai you would like to purchase. This expedites the overall process and satisfies those sellers that require financing before agreeing to sign a Sale and Purchase Agreement. Validity of the pre-approval is usually 30 days with most banks. Properties without title deeds may not obtain Mortgage. Such properties can be only brought by cash buyers on Oqood (Pre Registration title) However each bank has its own policies and procedures with the respective developers.


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Yes. You can resell the property if you have a mortgage on the property. The mortgage must be paid off to the bank to obtain clearance. The terms and conditions will vary from bank to bank.


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When looking for agents to work with in Dubai, ask for the company’s registration number with RERA. It is also useful to ask about the company’s area(s) of expertise and range of services. Make sure to note the experience and years and levels of marketing when deciding to list with a certain company. You can only list with a maximum of 3 seperate agencies at any one time.


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To list your property with us, you need to fill in the information on the listing form which carries all relevant information of the property. and submit the following documents to advertise your property and rent it without information and the owners authorization, a Broker cannot market the property.
Documents needed are:
Proof of Ownership of property (copy of contract)
Title Deed of the Property or Oqood.
POA – Power of Attorney, attested in Dubai Court – if the owner of the unit appoints someone to sign on their behalf
Valid Passport copy
Signed listing agreement


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