Dubai DLD Property Transfer Fees Calculator
Estimate current Dubai property-sale registration costs, buyer/seller DLD shares, trustee/service-partner fees, mortgage registration and off-plan Oqood charges.
Important: the official DLD service currently lists the 4% transfer fee as 2% seller + 2% purchaser. A contract can allocate the financial burden differently, so this calculator separates statutory allocation from a buyer-agreed full 4%.
What is included in the current DLD calculation?
Dubai Land Department currently separates the sale registration charge from service-partner and transaction-output charges. For a completed-property sale, the DLD service lists 2% for the seller and 2% for the buyer, plus title-deed, map, knowledge, innovation and Real Estate Registration Trustee/service-partner fees.
For off-plan purchases, the relevant initial-sale/Oqood service lists 2% seller + 2% purchaser, AED 10 knowledge, AED 10 innovation and an AED 1,000 Oqood self-registration fee through the developer portal.
Mortgage registration is a separate transaction component and the current DLD mortgage service lists 0.25% of the mortgage value.
Property Transaction Fee Calculator
This is an estimate of the DLD/service charges represented by the current official service pages. Bank fees, broker commission, conveyancing, valuation, developer fees, insurance and other transaction costs are not included.
AED 109,490
| DLD sale fee allocated to buyer | AED 100,000 |
| Registration Trustee / service partner | AED 4,200 |
| Title deed | AED 250 |
| Map | AED 250 |
| Knowledge + innovation | AED 20 |
| Mortgage registration (0.25%) | AED 4,500 |
| Mortgage title / knowledge / innovation allowance | AED 270 |
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Official 2026 fee structure
| Seller DLD share | 2% |
| Buyer DLD share | 2% |
| Trustee/service partner ≥ AED 500k | AED 4,200 |
| Trustee/service partner < AED 500k | AED 2,100 |
| Mortgage registration | 0.25% |
| Oqood self-registration | AED 1,000 |
Amounts not included
- Real-estate brokerage commission.
- Bank arrangement or processing fees.
- Property valuation fees.
- Conveyancing/legal fees.
- Developer-specific administrative or NOC charges.
- Insurance and other financing costs.
Ready property vs off-plan: current DLD treatment
| Cost / item | Completed property sale | Off-plan / initial sale |
|---|---|---|
| Seller DLD share | 2% | 2% |
| Purchaser DLD share | 2% | 2% |
| Service-partner / trustee fee | AED 4,000 + VAT at AED 500k+, or AED 2,000 + VAT below AED 500k | Developer Oqood self-registration fee of AED 1,000 |
| Knowledge fee | AED 10 | AED 10 |
| Innovation fee | AED 10 | AED 10 |
| Title deed | AED 250 where applicable | Provisional registration e-certificate / Oqood process |
How the 4% DLD sale charge should be displayed
Official allocation
DLD's current Property Sale Registration service lists 2% of the sale value for the seller and 2% for the purchaser.
Contractual buyer pays all
Parties may agree that the buyer bears the entire 4%. The calculator therefore lets the user model this contractual arrangement separately from DLD's formal 2% + 2% allocation.
Mortgage registration: what is actually calculated?
The current DLD mortgage-registration service states that the mortgage registration fee is 0.25% of the mortgage value. That percentage is applied to the mortgage amount, not to the full property purchase price.
| Example mortgage | 0.25% mortgage registration |
|---|---|
| AED 1,000,000 | AED 2,500 |
| AED 1,500,000 | AED 3,750 |
| AED 1,800,000 | AED 4,500 |
| AED 2,000,000 | AED 5,000 |
Dubai Real Estate Golden Visa and property value
Current Dubai DLD guidance states that a real-estate investor who owns a property with a purchase value of at least AED 2 million can apply for the 10-year renewable Golden Residence investor route.
DLD also states that a mortgaged property can qualify where a bank letter is provided showing the relevant amount paid and the balance. The property may be one or more properties under the applicant's name, subject to the current service conditions.
Golden Visa threshold
Current Dubai property-investor value threshold. Final eligibility depends on the live DLD/immigration service requirements and supporting documents.
Example: AED 2.5 million completed apartment
| Cost | Official/estimated amount |
|---|---|
| Purchase price | AED 2,500,000 |
| Buyer's statutory 2% DLD share | AED 50,000 |
| Seller's statutory 2% DLD share | AED 50,000 |
| Trustee/service partner fee | AED 4,200 |
| Title deed | AED 250 |
| Apartment/villa map | AED 250 |
| Knowledge + innovation | AED 20 |
| Buyer-side known fees on statutory 2% allocation | AED 54,720 |
| Buyer-side known fees if buyer contracts to bear full 4% | AED 104,720 |
This worked example excludes mortgage costs, brokerage, conveyancing, valuation, bank fees, insurance and other transaction-specific charges. It uses the current DLD sale-service components shown in the official service page.
Common DLD fee-calculation mistakes
- Adding a separate AED 580 “admin fee” on top of every current DLD sale-registration charge.
- Treating the buyer-paid 4% market arrangement as the statutory DLD allocation.
- Adding AED 290 automatically to every mortgage registration.
- Treating Oqood as a separate 4% charge on top of the 4% sale registration allocation.
- Treating the AED 4,200 trustee/service-partner fee as a universal charge regardless of transaction value.
- Ignoring title, map, knowledge and innovation charges.
- Calling AED 2 million “unencumbered equity” for every Golden Visa situation.
- Mixing completed-sale registration fees with the developer Oqood initial-sale process.
Frequently Asked Questions
Official Dubai Land Department resources
This calculator uses the current Dubai Land Department service pages for property sale registration, initial/off-plan sale registration and mortgage registration, together with the current Dubai DLD Golden Visa investor service.
Government charges can vary with transaction type, property type, maps, mortgage structure, developer process and other applicable service requirements. Always confirm the final amount shown in the live DLD transaction before payment.