The Complete Guide to Buying Property in Dubai

## 1. Defining Your Goal End-user, capital growth or rental yield? Each goal points to a different community, unit size and developer. Spend two weeks here. The goal you set now shapes every later decision — submarket, payment plan, exit strategy, even mortgage tenor. ## 2. Sorting Your Finances Cash buyers should hold funds in a UAE-recognised bank to avoid AML delays at the DLD. Mortgage buyers should obtain a pre-approval (5–7 working days) before making any offers. Budget 6–8% above the property price for transaction costs. ## 3. Making an Offer (Form F / MOU) Offers in Dubai are formalised on the standardised Form F (the MOU). A 10% deposit is paid to the registered trustee office to hold the unit. Both parties sign in person or via Power of Attorney. ## 4. Obtaining the NOC The seller obtains a No-Objection Certificate from the developer (1–7 working days, AED 500–5,000). The NOC confirms that there are no service-charge dues attached to the property. ## 5. Transfer at the Trustee Office Both parties meet at a registered trustee office. The DLD transfer fee (4%) is paid, manager's cheques are exchanged, and the new title deed is issued — usually the same day. ## 6. Move In You receive the keys, transfer DEWA and chiller accounts, register with the OA and (optionally) apply for your Golden Visa.