🏙️ DLD Fee Calculator
See every fee you pay when buying property in Dubai – Dubai Land Department transfer fee, trustee office, mortgage registration and agent commission – for a cash or mortgage purchase.
Quick answer: Buying a AED 2,000,000 property in Dubai with cash costs about AED 126,780 in fees (6.34%): the 4% DLD transfer fee of AED 80,000 + AED 580 admin, the AED 4,000 trustee fee + VAT, and 2% agent commission + VAT (AED 42,000). With a AED 1,600,000 mortgage add AED 4,290 for mortgage registration.
Updated · Free · No sign-up · Works on any device
DLD Fee Calculator inputs
Result
Total buying costs
AED 126,780.00
6.34% of the AED 2,000,000 price
| DLD transfer fee (4%) | AED 80,000.00 |
| DLD admin & title deed fees | AED 580.00 |
| Registration trustee office fee | AED 4,000.00 |
| VAT on trustee fee (5%) | AED 200.00 |
| Agent commission (2%) | AED 40,000.00 |
| VAT on commission (5%) | AED 2,000.00 |
| Total fees | AED 126,780.00 |
- Cash needed incl. price
- AED 2,126,780.00
- DLD fees only
- AED 80,580.00
Bank fees for a mortgage (arrangement up to 1% + VAT, valuation about AED 2,500–3,500) are extra – see the Dubai mortgage calculator.
Cash vs. mortgage purchase
| Fee | Cash | Mortgage (AED 1,600,000) |
|---|---|---|
| DLD transfer fee (4%) | AED 80,000.00 | AED 80,000.00 |
| DLD admin & title deed fees | AED 580.00 | AED 580.00 |
| Registration trustee office fee | AED 4,000.00 | AED 4,000.00 |
| VAT on trustee fee (5%) | AED 200.00 | AED 200.00 |
| Mortgage registration (0.25% + AED 290) | AED 0.00 | AED 4,290.00 |
| Agent commission (2%) | AED 40,000.00 | AED 40,000.00 |
| VAT on commission (5%) | AED 2,000.00 | AED 2,000.00 |
| Developer NOC fee | AED 0.00 | AED 0.00 |
| Total | AED 126,780.00 | AED 131,070.00 |
How to use the DLD fee calculator
Enter the property price, choose cash or mortgage, and adjust the agent commission. The calculator lists each fee and the total cash you need, and compares a cash and a mortgage purchase side by side.
Dubai property transfer fees (rules as of 2026)
| Fee | Amount | Paid to |
|---|---|---|
| Transfer fee | 4% of the price | Dubai Land Department |
| Admin & title deed issuance | ≈ AED 580 | Dubai Land Department |
| Registration trustee fee | AED 4,000 + VAT (price ≥ AED 500k) · AED 2,000 + VAT (below) | Trustee office |
| Mortgage registration | 0.25% of the loan + AED 290 | Dubai Land Department |
| Agent commission | Typically 2% + 5% VAT | RERA-licensed broker |
| Developer NOC | ≈ AED 500–5,000 + VAT (usually the seller) | Developer |
Sources: Dubai Land Department service fees (dubailand.gov.ae); UAE VAT under Federal Decree-Law No. 8 of 2017 at 5%. The 4% transfer fee is set by the Dubai real estate registration law (Law No. 7 of 2006) and its fee resolutions.
Worked example
A AED 2,000,000 apartment bought with cash:
- DLD 4%: AED 80,000 + admin AED 580
- Trustee office: AED 4,000 + AED 200 VAT
- Agent 2%: AED 40,000 + AED 2,000 VAT
- Total: AED 126,780 (6.34% of the price)
With an AED 1,600,000 mortgage, add 0.25% × 1,600,000 + 290 = AED 4,290 → AED 131,070 in DLD and agent fees.
Fixed admin fees are revised from time to time – confirm with your trustee office before transfer.
Frequently asked questions
How much is the DLD fee in Dubai?
The Dubai Land Department charges a 4% transfer fee on the purchase price plus about AED 580 in admin and title deed fees. By market custom the buyer pays the whole 4%, although the contract can split it with the seller.
What is the trustee office fee?
Sales are registered at a DLD-approved registration trustee office, which charges AED 4,000 + 5% VAT for properties of AED 500,000 or more, and AED 2,000 + VAT below that.
How much is mortgage registration in Dubai?
If you buy with a mortgage, DLD charges 0.25% of the loan amount plus an AED 290 admin fee to register the mortgage on the title deed.
How much do I pay the real estate agent?
The standard buyer’s commission is 2% of the price plus 5% VAT, so AED 42,000 on a AED 2 million home. It is negotiable; the agent must be RERA-registered.
What extra costs are there for off-plan property?
Off-plan purchases pay the same 4% DLD fee (registered in the Oqood system), often with developer-specific admin charges; some developers run promotions covering part of the DLD fee.