How much does it really cost to buy property in Dubai?

Beyond the property price, expect to pay approximately 7–8% in transaction costs for a cash purchase, or 9–10% if using a mortgage. Here is the breakdown:

• DLD Transfer Fee: 4% of the purchase price + AED 580 admin fee
• Real Estate Agent Commission: 2% + 5% VAT
• Trustee Office Fee: AED 4,000 + VAT (for properties above AED 500K)
• NOC Fee: AED 500–5,000 (varies by developer)
• Mortgage Registration: 0.25% of loan amount + AED 290 (if applicable)
• Valuation Fee: AED 2,500–3,500 (if mortgaged)

For example, buying an AED 1,500,000 apartment with a mortgage would cost roughly AED 140,000–150,000 in fees on top of the purchase price.

Detailed breakdown: Complete Cost of Buying Property in Dubai