Data Updates & Verification
We update our calculators regularly with data from official UAE government sources
Update Log
Each data source carries its own review cadence — monthly for fast-moving figures (mortgage rates, fuel), longer for fee schedules that rarely move. Every figure is read at its publisher, never from another page of this site, and the table below shows when each was last read and when it is next due.
Next rate review due: 29 October 2026 (base rate) · 23 October 2026 (mortgage market)
Enforcement: a rate figure past its review date fails our tests and cannot ship
DLD Transfer-Side Fees
Read from the published DLD fee schedule. Transfer fee 4% of the price. Registration trustee fee AED 2,000 below AED 500,000 and AED 4,000 at or above, plus 5% VAT (AED 4,200 on a AED 1,000,000 purchase). Administrative charge fixed by registration type, with no value band and no VAT: DLD publishes AED 520 on an apartment (AED 250 title deed + AED 250 map + AED 10 knowledge + AED 10 innovation) and AED 495 on a land plot. Our calculator budgets its own planning defaults: AED 580 ready apartment or office (AED 60 above DLD's apartment line, so it errs high) and AED 40 off-plan contract (AED 20 above DLD's pair, so it errs high). Our AED 430 land plot is padded against the cheaper non-DM-map case instead, leaving it AED 65 below DLD's unified-map line — that one errs low, so budget the difference. These three are ours, not DLD line items.
Source: Central Bank of the UAE consumer-fee schedule; Dubai Land Department published fee schedule (dubailand.gov.ae); Dubai Courts Rental Dispute Centre fee schedule; KHDA inspection frameworkUAE Central Bank Base Rate
UAE Central Bank Base Rate published at 3.90% as of 16 September 2026. Standing facilities are set at the Base Rate plus 50 basis points.
Source: Central Bank of the UAEMortgage Rates
UAE mortgage rate bands re-read as of 21 July 2026: 1-year fixed 3.75%-4.89%, 2-3 year fixed 3.89%-4.19%, 5-year fixed 4.19%-4.69%, Variable (EIBOR-linked) 3-month EIBOR + 1.00-2.50% lender reversion margin. Market floor 3.75% (1-year fixed, Sharjah Islamic Bank). Calculator defaults use the 5-bank median of 3.99% across Emirates NBD, First Abu Dhabi Bank (FAB), Abu Dhabi Commercial Bank (ADCB), Dubai Islamic Bank (DIB), Mashreq Bank. Market bands are a broker-aggregator read, not a regulator publication.
Source: Mortgease UAE mortgage rate tracker (broker aggregator)Visa Fees
ICP and GDRFA fee schedule reviewed for 2026. Freelance, family, and Golden Visa property threshold (AED 2M) confirmed unchanged.
Source: ICP - Federal Authority for Identity & CitizenshipSchool Fees
Updated 218 school fees for Academic Year 2025-2026 based on KHDA published data. Verified DSIB ratings and fee increase caps.
Source: KHDA Official DatabaseDEWA Rates
Updated electricity and water tariff calculations per DEWA schedule. Residential rates verified.
Source: DEWA Official TariffsUpdate Frequency
- School fees: Annually (August/September) or when KHDA publishes updates
- Mortgage rates: Monthly from major UAE bank rate sheets
- Government fees (DLD): Annually, and on any published change. Held in one module with a review date our tests enforce
- Utility rates (DEWA, ADDC): When the published tariff changes
Recent Manual Audit Log: When We Last Verified Each Data Source
Complete transparency on our data verification process with exact dates and methods
| Data Source | Last Verified | Verification Method | Changes Detected | Next Audit |
|---|---|---|---|---|
| DLD Transfer-Side Fees 4% transfer fee · trustee fee · administrative fee | 18 August 2026 | • Read from the published DLD fee schedule • Held in src/data/uaeConsumerRegulatoryCaps.ts; every page interpolates it | ⚠ Corrected Administrative charge is fixed by registration type, not banded on price. DLD publishes AED 520 on an apartment and AED 495 on a land plot; our own planning defaults are AED 580 ready (AED 60 above DLD, so it errs high), AED 40 off-plan (AED 20 above DLD, so it errs high) and AED 430 land plot — that last one is padded against the cheaper non-DM-map case, which leaves it AED 65 below DLD's unified-map line, so it errs low and you should budget the difference. None of the three is a DLD figure. The earlier band and its citation had no source outside this site and were removed. | August 2027 |
| UAE Mortgage Market Rates 5 banks: Emirates NBD, First Abu Dhabi Bank (FAB), Abu Dhabi Commercial Bank (ADCB), Dubai Islamic Bank (DIB), Mashreq Bank | 21 July 2026 | • Published rate cards for all 5 banks • Bank website verification • Cross-checked against Mortgease UAE mortgage rate tracker (broker aggregator) | ⚠ Updated 2-3 year fixed: 3.89%-4.19% · median 3.99% | October 2026 |
| KHDA School Fees Database 218 Dubai private schools | 1 October 2026 | • Read from the KHDA public school directory • Fee-increase index checked against KHDA's published circular Re-read 1 October 2026: the 2025-26 Education Cost Index (2.35%), the 0% fee freeze published for 2026-27 and its 22 May 2026 announcement date, that the rating-change fee multiplier is still inoperative — and, newly, that KHDA announced on 3 June 2026 the resumption of quality-assurance visits from 2026-27, which this row previously recorded as unannounced. Read against WhichSchoolAdvisor — KHDA confirms the 2026-27 fee freeze and Gulf News — Dubai freezes private school fees for 2026-27. KHDA’s own ECI page was not the source opened; both reads above are secondary reporting of it. Prefer web.khda.gov.ae and re-stamp this block the moment it is reached. | ✓ No changes Flat 2.35% Education Cost Index for 2025-26; 0% freeze published for 2026-27 | March 2027 keyed to the 2027-28 Education Cost Index, which KHDA has announced in April-May — not to the inspection restart, which KHDA announced on 3 June 2026 but which cannot change a permitted increase while 2026-27 is a 0% freeze |
| DSIB Ratings School quality ratings | 18 December 2025 | • Downloaded latest KHDA inspection reports • Updated database with new ratings • Verified fee increase caps | ⚠ 12 schools Rating changes from 2024-2025 inspections | July 2027 KHDA paused full inspections for 2024-25 and 2025-26, so there was no newer published rating for most schools; visits resumed from 2026-27 (announced 3 June 2026) and only a full visit publishes a new rating, so the first read that can find a meaningful number of changes is at the end of that year |
| UAE Central Bank DBR/LTV Regulations Circular No. 31/2013, Article (3) · Regulation No. 29/2011, Article (7)(a) | 5 January 2026 | • Read from the Central Bank rulebook at rulebook.centralbank.ae • Each cap cited to its own instrument and article | ✓ No changes Circular No. 31/2013, Article (3) LTV caps unchanged; Regulation No. 29/2011, Article (7)(a) DBR cap unchanged (regulation re-checked July 2026). Base Rate published at 3.90% as of September 2026 — verify at centralbank.ae | Continuous monitoring |
| MOHRE Gratuity Formula Federal Decree-Law 33/2021 | 23 August 2026 | • Read from the Federal Decree-Law No. 33 of 2021 text • Cross-read against MOHRE's published guidance Re-read 23 August 2026: 21 days’ basic wage per year for years 1-5 and 30 days from year 6, the two-years’-basic-wage ceiling, that Article 51 was not amended in 2025 or 2026, and that the Cabinet Resolution 96/2023 savings scheme remains voluntary. Read against UAE Ahead — UAE gratuity law guide 2026 and HLB HAMT — UAE gratuity policy and settlement 2026. The Decree-Law 33/2021 text at uaelegislation.gov.ae was not the source opened; both reads above are professional commentary on it. Neither addresses resignation directly, so the absence of a resignation taper is secondary-source agreement here, not a primary reading. | ✓ No changes Effective since Feb 2, 2022 | August 2027 |
| UAE Fuel Prices Super 98 · Special 95 · E-Plus 91 | 1 October 2026 | • UAE Ministry of Energy & Infrastructure announcement • Verified at ENOC/ADNOC stations • Updated calculator defaults | ⚠ Monthly update Super 98 AED 4.40 · Special 95 AED 4.28 · E-Plus 91 AED 4.21 — as of October 2026. Re-set monthly by the fuel price committee; next prices take effect 1 November 2026. | November 2026 |
| Salik Toll Charges Peak AED 6 · Off-Peak AED 4 · Late Night AED 0 · Sunday peak AED 4 (per crossing, before VAT) | 30 July 2026 | • salik.ae official tariff check • Salik app verification | ⚠ Tiered pricing + VAT 5% VAT applies to all toll transactions from 1 June 2026 (effective AED 6.30 peak / AED 4.20 off-peak). During Ramadan, Salik shifts these windows — the prices do not move. In Ramadan 2026 peak ran 09:00–17:00 (Mon–Sat) at AED 6, AED 4 off-peak applied 07:00–09:00 & 17:00–02:00, and crossings were AED 0 late night, 02:00–07:00 (7 days); Sunday peak crossings were still charged at the off-peak AED 4. Salik re-announces the Ramadan schedule each year, so treat that as the Ramadan 2026 tariff and check salik.ae before Ramadan begins. | October 2026 |
What "verified" means here:
Read at the source. Each row above was read from the publisher named in its Verification Method cell — the regulator, the published fee schedule or the law text. Nothing on this page is verified against another page of this site.
Dated, with an expiry. Figures held in a data module carry the date they were read and the date they go stale. scripts/check-market-rates-freshness.mjs runs on npm’s prebuild, and its checks run again over every dated module in our tests, so an expired figure turns CI red instead of shipping quietly.
Overdue is shown, not hidden. The Next Audit column is computed from the last-verified date and the target cadence. When a target passes it reads "Review overdue" — this page will never show you a scheduled date that has already gone by.
One value, everywhere. Our test suite reads the shipped bytes of these pages and fails when one states a regulator-set figure at a value the source module does not hold, so a correction cannot be applied in one place and forgotten in another.
Who Stands Behind This Calculator
Founder
Varun founded Yalla Calculators to help UAE residents make informed financial decisions. Based in the UAE since 2018, he has firsthand experience with property purchases, DLD fees, mortgage rules, and cost-of-living planning. His background in software and digital business (13+ years) drives the accuracy and regulatory alignment of our property and mortgage tools. Varun is not affiliated with other professionals who share the same name; he operates from Dubai/Sharjah and maintains editorial independence across all calculators.
Focus: UAE Property, Cost of Living, Financial Planning, Mortgage & DLD
Why Trust This Calculator?
Data Updates is built for UAE residents and uses local regulations and fee schedules. Our calculators use official UAE data sources, current regulations, and a methodology checked against those sources. We update fee schedules and formulas when regulators publish changes, and we clearly cite our sources so you can verify results.
All calculations are checked against the official UAE sources cited on each page.