25/08/2026
Most buyers focus on the listing price. The real number is 7 to 10% higher.
Here's what actually makes up that gap:
1. DLD Transfer Fee: 4%
Paid in cash at transfer. Cannot be financed. Non-negotiable. The single largest closing cost on any Dubai purchase.
2. Registration, Trustee and Title Deed Fees
Fixed government charges regardless of property value. Budget approximately AED 4,200 to AED 5,250 in trustee fees plus AED 580 for the title deed.
3. Developer Reputation
Before you commit to off-plan, check the developer's RERA registration, escrow account compliance, and project completion history. A good payment plan means nothing if the developer doesn't deliver.
4. Payment Plan vs. Mortgage
Off-plan payment plans spread costs over construction with lower upfront cash. A mortgage requires a 20% down payment plus all fees in cash upfront. Neither is automatically better. It depends on your cash position and timeline.
5. Mortgage Registration: 0.25% of loan amount
If you're financing, add 0.25% of the loan plus AED 290 for mortgage registration. Banks also require a valuation, typically AED 2,500 to AED 3,500.
The buyers who get surprised at closing are the ones who never mapped the full cost upfront.
At Legend Properties, we audit contracts, verify developer credentials, and map your full cash requirement before you sign anything.
π Book a consultation before you commit.
