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Buying and Selling Costs Calculator

The price is not the cost. Add the one-time fees and see what they do to your first-year return, then what it looks like from year two. Every fee can be changed.

If you are buying

One-time costs

Total one-time costs–
Cash needed up front–
Year one, return on price–
Year two onward, on price–
Year one, on cash invested–
Year two onward, on cash–

Return on price = (rent − running costs) ÷ price. Return on cash = (rent − running costs − mortgage payments) ÷ the down payment. In year one the one-time costs are deducted from the income; from year two they are gone. Off-plan purchases pay these costs at the start, not at handover, apart from mortgage costs. Typical figures as of October 2026, so confirm each with the developer, bank and DLD.

If you are selling

Selling costs

Total selling costs–
Cash to you after costs and mortgage–

What each fee is and who pays it: Dubai property fees explained

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Frequently asked questions

How much are buying costs in Dubai?

On a ready resale the main costs are the Dubai Land Department transfer fee of 4%, the agent fee (typically 2% plus 5% VAT), the registration trustee fee of AED 2,100 or AED 4,200 depending on price, and title deed charges. Altogether that is often around 6% to 7% of the price.

Who pays the 4% DLD fee in Dubai?

By market practice the buyer usually pays the full 4% transfer fee on a resale. On off-plan it is paid as the Oqood registration, and some developers run offers that cover it. Check the sale agreement.

What extra costs come with a Dubai mortgage?

Mortgage registration at 0.25% of the loan plus AED 270 in fees, a bank valuation of around AED 3,000, and an arrangement fee of up to about 1% of the loan. Since 1 February 2025 banks no longer finance the DLD fee or agent fee, so those come from your cash.

What does it cost to sell property in Dubai?

Usually the agent fee (2% plus VAT) and a developer no-objection certificate, typically a few thousand dirhams. With a mortgage, add the DLD release fee and the bank's early settlement fee, which the Central Bank caps at 1% of the balance or AED 10,000, whichever is lower.

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