DLD Fee Calculator — Total Dubai Purchase Costs (2026)

Обновлено 15 September 2026 · Last verified 15 Sep 2026 — verify current rates at dld.gov.ae

Buying property in Dubai carries a fixed set of government and third-party charges, and they add up faster than most buyers expect. This calculator itemises the full picture for a resale or an off-plan purchase: the 4% Dubai Land Department transfer fee, title deed issuance, mortgage registration, the registration trustee’s fee, agency commission and the developer’s NOC. Every line shows the rate behind it, and the table updates as you type — there is no submit button. Figures reflect the DLD tariff as last verified on 15 September 2026; final amounts depend on your transaction, so confirm them against the tariff on dld.gov.ae before you commit funds.

Property price (AED)

The agreed purchase price in the sale agreement.

Property type

Tenure

Purchase route

Mortgage loan amount (AED)

Leave 0 for a cash purchase. The registration fee is charged on the loan, not the price.

Estate agent engaged

Adds 2% commission + 5% VAT, the customary Dubai rate.

Property type does not change the DLD fee schedule; it mainly affects running costs (see the service charge calculator) and lender criteria.

Figures reflect the Dubai Land Department tariff as last verified 15 September 2026.
Cost item	Amount
DLD transfer fee4% × AED 1,000,000 (Dubai Land Department fee schedule)	AED 40,000
Title deed issueFlat charge: AED 430 off-plan (interim documentation) / AED 580 secondary market	AED 580
Mortgage registrationNot applicable — cash purchase (0.25% of loan + AED 290 when mortgaged)	—
Trustee office fee (incl. 5% VAT)Tier: above AED 500,000 → AED 4,000 + 5% VAT = AED 4,200. Quotes near AED 5,250 (incl. VAT) also appear once offices add administration charges — confirm with the office you appoint.	AED 4,200
Agency commission2% × AED 1,000,000 + 5% VAT (market norm, not a tariff)	AED 21,000
Developer NOC feeEstimate range AED 500–5,000 — set by each developer, not by DLD	500–5,000
Total (definite fees, NOC excluded)	AED 65,780
Estimated all-in range (incl. NOC AED 500–5,000)	AED 66,280–AED 70,780

Formulas used

transfer fee   = 4% x price
title deed     = AED 580 (secondary) | AED 430 (off-plan, no title deed)
mortgage reg.  = 0.25% x loan + AED 290        (if mortgaged)
trustee fee    = (AED 4,000 if price > 500,000 else AED 2,000) x 1.05
agency         = 2% x price x 1.05             (if agent engaged)
NOC fee        = AED 500 - 5,000               (estimate)
total          = sum of the above, NOC shown as a range

How the calculation works

Each row applies one published rate to the price you enter. The transfer fee is 4% of the price. Title deed issuance is a flat AED 580 on the secondary market, or AED 430 for an off-plan purchase where no title deed is issued at handover. Mortgage registration adds 0.25% of the loan amount plus AED 290. The trustee fee is tiered — AED 4,000 plus 5% VAT above AED 500,000, and AED 2,000 plus VAT at or below that line — and market quotes near AED 5,250 including VAT appear once offices add administration charges. Agency commission is 2% plus 5% VAT when an agent is engaged, and the NOC line is an estimate range, not a tariff. The same formulas are printed under the table so the arithmetic can be checked line by line.

How to verify these figures yourself

1. Open dld.gov.ae and download the current fee tariff (published as a PDF under its fees section).
2. Match each calculator row against the tariff: transfer fee, title deed issuance, mortgage registration and trustee fees are all listed there.
3. Ask the registration trustee office handling your transfer for a written, itemised quote before transfer day — offices may add small administration charges on top of the tariff.

Frequently asked questions

Is the 4% DLD fee refundable?

No. The 4% transfer fee is a government charge for registering ownership, and it is not refunded because a transaction later falls through or a resale turns into a loss. Cancelling before registration completes is handled case by case, which is why buyers protect their position through signed agreements and escrow arrangements rather than expecting the fee back.

Who pays the DLD fee — buyer or seller?

In Dubai, the buyer customarily pays the 4% transfer fee together with the trustee fee and title deed charges. On the secondary market, the seller customarily settles the agency commission and the developer's NOC fee, though each of these points is negotiable and only binding when written into the sale agreement. Abu Dhabi allocates costs differently — a 2% transfer fee for the buyer and 1% for the seller under DMT rules — so confirm which emirate's schedule applies.

Do I pay the 4% on an off-plan purchase too?

Yes. Purchases from a developer attract the same 4% registration fee, calculated on the purchase price in the sale agreement. Off-plan sales are recorded first through Oqood, with a title deed issued at handover; the AED 430 charge in this calculator reflects the interim documentation stage, not an exemption from the 4%.

Next, try the service charge calculator to budget yearly running costs, or the Golden Visa checker if a 10-year visa is part of the plan — both are covered in depth on the Villavow blog.