What does the calculator estimate?

DLD transfer fees, agency fees, mortgage registration and an indicative monthly payment for an Arabian Ranches 3 purchase.

Is this official advice?

No. It is an estimate for planning. Final figures come from the Dubai Land Department, your bank and the sales agreement.

Can Mohamed walk me through the numbers?

Yes. Send the estimate on WhatsApp and I will explain each line for your home.

Cost and mortgage calculator · Estimate

What will buying really cost?

Enter a price to see the government fees, the agency fee and, if you’re borrowing, the mortgage registration and monthly payment. The rates come from official sources, listed below.

Purchase price (AED), an example value: change it

How are you buying?

With a mortgage Cash

Buyer type (sets the maximum loan)

Down payment (%) Term (years, 25 maximum)

Minimum down payment for you: 20% (Central Bank of the UAE)

Interest rate (% a year), an example only: use the rate your bank quotes Agency fee (%), agreed in writing with your broker; not set by law

DLD transfer fee (4%)

Buyer pays all 4% Split 2% + 2% with the seller

DLD lists 2% for the seller and 2% for the buyer; the two sides can agree otherwise in the contract.

Include the trustee fee for registering the mortgage (AED 4,000 + VAT)

Cash needed up front: –
Monthly payment: –

The breakdown

Down payment (or full price if cash): –
DLD transfer fee (4%): –
Title deed, map, knowledge and innovation fees: –
Registration trustee fee (incl. VAT): –
Agency fee (incl. 5% VAT): –
Mortgage registration (0.25% of loan + AED 270): –
Mortgage trustee fee (incl. VAT): –
Estimated fees in total: –
Loan amount: –
Total interest over the term: –

Talk these numbers through on WhatsApp

Estimate only. Not financial advice or a quote. Fees change; banks add their own fees (arrangement, valuation, insurance) that are not included here, and the developer may charge for the no-objection certificate. Check the latest figures with DLD and your bank before you commit.

Where these numbers come from

Each rate was checked on the official page on 2 October 2026. Anything I could not verify officially is clearly marked.

Item	Rate used	Source	Status
DLD transfer fee	4% of the sale value; listed as 2% seller + 2% buyer, the payer is agreed between the parties	Executive Council Resolution No. 30 of 2013 (DLD fees) · Dubai Land Department: Property Sale Registration	Verified, official source
Extra DLD fees on a sale	AED 250 title deed, AED 250 map (villas and apartments), AED 10 knowledge, AED 10 innovation	Dubai Land Department: Property Sale Registration	Verified, official source
Registration trustee fee	AED 4,000 + VAT at AED 500,000 or more; AED 2,000 + VAT below	Dubai Land Department: Property Sale Registration	Verified, official source
Mortgage registration	0.25% of the mortgage + AED 250 title deed + AED 10 + AED 10; service-partner fee AED 4,000 + VAT	Executive Council Resolution No. 30 of 2013 (DLD fees) · Dubai Land Department: Mortgage registration	Verified, official source
VAT	5%	Federal Tax Authority: VAT	Verified, official source
Maximum loan and term	Expat first home: 80% up to AED 5M, 70% above; UAE national: 85% and 75%; second home or investment: 60% (expat), 65% (national); maximum term 25 years	Central Bank of the UAE Rulebook: Mortgage regulations, Article 3 (as amended in 2020) · Central Bank of the UAE: Decision 31/2/2020 amending the mortgage regulations	Verified, official source
Agency fee	No official rate: it is agreed in writing with the broker (RERA Contracts A and B). The 2% in the calculator is only an editable default	RERA Real Estate Brokerage Practice Guide 2024 (PDF)	UNVERIFIED as an official rate
The often-quoted “AED 290” mortgage admin fee	Not on DLD’s page, so the calculator does not use it	Dubai Land Department: Mortgage registration	UNVERIFIED
Interest rate	Your input; the 4% is an example, not a market rate	–	Your input