Services Built Around The Purchase

Yes. Under Central Bank of the UAE (CBUAE) regulations, resident expats can borrow up to 80% Loan-to-Value (20% down payment) on their first property up to AED 5,000,000, while UAE Nationals can borrow up to 85% LTV. International non-residents living abroad can secure 50% to 65% LTV across leading UAE conventional and Islamic banks with loan tenures up to 25 years, subject to the mandatory 50% Debt Burden Ratio (DBR) cap.

Every approved off-plan development in Dubai is governed by Dubai Law No. 8 of 2007 (Real Estate Development Trust Accounts) and Law No. 13 of 2008 (Interim Property Register). All buyer down payments and construction installments are deposited into a project-specific RERA Escrow Account and released to contractors only after an independent RERA-accredited engineer certifies physical construction milestones. Meanwhile, your interim ownership is registered on the DLD Oqood portal.

For off-plan purchases directly from a developer, buyers pay a 4% DLD Registration Fee plus the Oqood/admin fee (~AED 1,040–5,000) and 0% agency commission. For ready secondary-market transactions, closing costs are approximately 6.5%–7%: the 4% DLD Transfer Fee, AED 580 Title Deed fee, AED 4,200 DLD Registration Trustee fee (incl. VAT), AED 500–5,000 Developer NOC fee, and 2% + 5% VAT brokerage fee (plus 0.25% DLD mortgage registration fee if financed). There is 0% property tax and 0% capital gains tax.

Yes. Reselling an off-plan property before handover is executed via a secondary-market SPA Assignment and Oqood transfer once you have paid the master developer's minimum payment threshold—typically 30% to 40% of the original purchase price for developers like Emaar, DAMAC, Nakheel, Meraas, and Sobha. At transfer, the new buyer reimburses your paid installments plus your capital appreciation premium and assumes all remaining construction payment milestones.

All secondary market transactions in Dubai are digitized on the Dubai REST platform and authenticated via UAE PASS: RERA Form A is the mandatory listing contract between Seller and Broker (required to generate a Trakheesi / Madmoun QR permit, capped at max 3 brokers per property); RERA Form B is the Buyer Representation mandate; and Unified Contract F (Form F / MoU) is the legally binding sale agreement between Buyer and Seller backed by a 10% security deposit cheque.

Yes. Foreign nationals enjoy 100% freehold ownership in designated Dubai zones under Law No. 7 of 2006 without needing a prior UAE visa. Off-plan SPAs as well as RERA Form A and Form F contracts are executed digitally via DocuSign or the Dubai REST App, while DLD Registration Trustee transfers and Manager's Cheque settlements can be completed remotely through a video-notarized Dubai Courts Power of Attorney (POA).

Prior to accepting handover of a newly completed property, our team coordinates a 150+ point engineering snagging inspection covering mechanical, electrical, and plumbing (MEP) systems, AC performance, waterproofing, glazing, and joinery. Under Dubai Law No. 6 of 2019, developers are legally obligated under a 1-Year Defect Liability Period (DLP) to rectify all internal/MEP defects at zero cost to the buyer, alongside a 10-Year Structural Decennial Warranty.