STEP-BY-STEP GUIDE TO BUYING PROPERTY IN DUBAI

Step 1: Calculate Your Budget and Costs

Include DLD transfer fee (4%), agency fee (2%), and down payment requirements (25% for expats). Always budget for service charges and mortgage costs.

Step 2: Get Mortgage Pre-Approval

Getting pre-approved confirms your budget and strengthens your position. Valid for 60 days with most UAE banks.

Step 3: Choose a Licensed Real Estate Agent

Work with a RERA-licensed agent such as fäm Properties to access verified listings, off-plan projects, and expert guidance.

Step 4: View and Compare Properties

Visit multiple communities to compare layouts, amenities, and lifestyle. Consider both ready and off-plan options.

Step 5: Make a Formal Offer

Offers typically require a 10% deposit cheque plus passport/Emirates ID copies. A written offer boosts acceptance chances.

Step 6: Sign the Memorandum of Understanding (MOU)

The MOU (Form F) outlines price and terms, signed at the Registration Trustee Office with both parties present.

Step 7: Sales Progression Process

Covers final mortgage approval, valuation, and preparation of transfer documents.

Step 8: Apply for the No Objection Certificate (NOC)

The developer issues the NOC once all outstanding service charges are cleared. Required before transfer.

Step 9: Transfer Ownership at the Dubai Land Department

Done at the DLD Trustee Office. Buyer pays balance, seller hands over title deed.

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