About this page: Prepared by Valorem Real Estate Brokers (Dubai, UAE). Last updated . This guide is general information only — not legal, tax, or investment advice; verify requirements with qualified professionals before you transact.
Buying property in Dubai: steps, fees, and timeline for 2026 buyers
Dubai's freehold market continues to attract global buyers. This page outlines the usual sequence from offer to registration, the fees buyers discuss most often, and where delays tend to appear — so you can plan viewings, financing, and immigration paperwork in parallel.
Key takeaways
- Confirm the asset class (ready vs off-plan), payment plan, and service-charge history before you commit non-refundable sums.
- Use DLD‑registered marketing permits on listings and keep Oqood / title milestones visible on off-plan purchases.
- If you need a mortgage, obtain a decision in principle early — valuations and life insurance can extend timelines.
1. Typical purchase sequence
- Discovery & KYC — clarify budget, community shortlist, visa implications, and target hold period.
- Offer & booking — sign a reservation or Form F (Memorandum of Understanding) on resale; pay booking to developer or seller per contract.
- Due diligence — title / Oqood status, seller mortgage discharge, developer statements, snagging on ready units.
- SPA & transfer — execute sale/purchase at developer or trustee office; settle DLD fees and register.
- Handover & utilities — DEWA activation, service connection, and property management setup if letting.
2. Buyer fees to budget (indicative)
Line items vary by transaction type. Your formal cost schedule should match the SPA and trustee invoice; treat percentages below as planning anchors only.
| Item | Notes |
|---|---|
| DLD registration | Commonly cited around 4% of purchase price — confirm current slabs with DLD. |
| Agency commission | Per RERA guidance on the transacting broker; disclose in Form F on resale. |
| Mortgage registration | Applies when financing; bank-specific. |
3. When to involve specialists
Use a qualified conveyancing team for concurrent seller finance discharges, corporate purchasers, or complex payment plans. For Golden Visa pathways linked to property, pair real estate advice with immigration counsel — eligibility thresholds change.
Sources & further reading
- Dubai Land Department — official registration information
- Property Finder — market context (listings also syndicated from licensed brokers)