DUBAI
Dubai Land Department — DLD 2026
Total Acquisition
Cost Calculator
Dubai Real Estate · Full Cost Breakdown
Current Rates as of 2026 · DLD Official Fee Structure
Property Details
Property Price
AED 2,000,000
AED
Purchase Type
Financing Method
Select Dubai Area
Area / Community
Selected: Downtown Dubai
Additional Options
Agent Commission Rate
NOC / Developer Fee
Fit-Out / Renovation Budget
Cost Breakdown
Downtown Dubai
Total Acquisition
AED
2,284,580
Total fees above purchase price
14.2%
Government Fees — DLD
DLD Transfer / Oqood Fee (4%)
Mandatory — Buyer typically pays full 4%
80,000
Trustee / Service Partner Fee
AED 2,000 (≤500K) · AED 4,000 (>500K) + 5% VAT
4,200
Title Deed Issuance
AED 250 + AED 580 Admin + Knowledge/Innovation fees
580
Knowledge & Innovation Levy
AED 10 + AED 10 per applicable DLD service
20
Professional Fees
Agent Commission
2% of purchase price + 5% VAT
42,000
Developer NOC Fee
Varies by developer · + 5% VAT
3,150
Property Insurance
Building Insurance (Annual)
0.05–0.1% of property value per year
~1,500
Contents / Home Insurance
Optional — typically AED 800–2,500/year
~1,200
Total Acquisition Cost
Cash · Ready Property · Downtown Dubai
AED 2,284,580
≈ USD 622,000
Purchase Price
AED 2,000,000
Total Fees & Costs
AED 284,580
Fees as % of Price
14.2%
Equivalent USD
$622,000
Disclaimer: All fees are based on DLD official 2026 rate structure. Government fees are fixed by law. Agent commissions, NOC fees, and fit-out costs are estimates subject to negotiation and developer policy. Mortgage processing fees vary by bank. Always confirm final fees with your trustee office and legal advisor. Rate: 1 USD = 3.67 AED.
Understanding Dubai Property Fees
4%
DLD Transfer Fee
The largest mandatory government fee — 4% of purchase price. By law split 2% buyer / 2% seller, but in practice buyers pay the full 4%. Applies to both ready and off-plan (Oqood) transactions. DLD fees must be paid within 60 days of transaction to avoid fines.
0.25%
Mortgage Registration
If financing, the DLD charges 0.25% of loan amount + AED 290 admin to register the mortgage. Additionally, banks require an independent property valuation (AED 2,500–3,500) and a mortgage processing fee of up to 1% of loan amount.
2%
Agent Commission
RERA-regulated standard commission is 2% of purchase price + 5% VAT. This is the maximum set by real estate market practice. In some cases, developers cover commission on off-plan projects. Always confirm in writing in the SPA.
7–10%
Total Cost Buffer
Property Finder and leading brokerages advise buyers to budget 7–10% above purchase price to cover all transaction costs. On an AED 2M property, this equates to AED 140,000–200,000 in additional expenses beyond the purchase price.
NOC
Developer Clearance
For secondary market sales, the seller must obtain a No Objection Certificate from the developer confirming all service charges and dues are cleared. NOC fees range from AED 500 to AED 5,000 depending on developer (Emaar, Damac, Sobha, Nakheel each differ).
Oqood
Off-Plan Registration
Oqood is the DLD's off-plan registration system. The same 4% fee applies, paid at SPA signing rather than at handover. Upon project completion, Oqood converts to a full Title Deed — no additional 4% fee is due at that stage, only the AED 250 title deed issuance fee.