DLD Property Transfer: Step-by-Step and Fee Breakdown

Transferring a property in Dubai involves an MOU, agent commission, NOCs (including mortgage NOC if applicable), and the DLD transfer and 4% fee. This guide walks you through the steps and fee breakdown, including trustee and Oqood where relevant. We reference DLD procedures and RERA commission rules.

MOU and Agent Commission

The MOU (memorandum of understanding) and sale agreement set the price, payment schedule, and who pays which fees (e.g. DLD 4% is often split 2% buyer, 2% seller, but can be negotiated). Agent commission (typically 2% each from buyer and seller) is usually in the MOU. Ensure everything is in writing.

NOC and Clearance Certificates

NOCs and clearances: the seller may need an NOC from the developer or owners’ association, and (if there is a mortgage) a mortgage NOC and settlement figure from the bank. The buyer may need a valuation and mortgage offer. Sort these early to avoid delays.

Mortgage NOC and Settlement

Mortgage NOC and settlement: if the seller has a mortgage, the bank will issue an NOC and a settlement figure. The sale proceeds are used to settle the loan at transfer; the bank then releases the title. The buyer’s bank will register the new mortgage. Coordinate with both banks and the broker or lawyer.

DLD Transfer and 4% Fee

DLD transfer and 4% fee: the actual transfer is done at DLD (or an authorised typing centre). The 4% fee is paid at this stage (on the purchase price or the higher of price and valuation, as per DLD rules). The buyer typically pays their share (e.g. 2%) and the seller’s share if agreed. Get a receipt and the new title deed.

Trustee and Oqood (If Applicable)

Trustee and Oqood: for some off-plan or developer sales, a trustee may be involved. Oqood is for off-plan registration before completion; at completion, the transfer is done at DLD as above. If your purchase involves a trustee or Oqood, your broker or lawyer will guide you.

Using the Property Fees Calculator

Use our Mortgage Affordability tool to see how much you can borrow.

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