Dubai is one of the most transparent and investor-friendly property markets in the world. Whether you’re buying, selling, or gifting a property, understanding the property transfer process is essential to ensure a smooth and legal transaction.
In this guide, we walk you through every step of the Dubai property transfer process—from signing the sale agreement to receiving the new Title Deed.
✅ Step 1: Sign the Sale Agreement (Form F)
The journey begins with a Memorandum of Understanding (MoU), also known as Form F, which outlines the terms of the sale. This is signed by both buyer and seller and registered with the Dubai Land Department (DLD) through a real estate agent or trustee center.
Includes:
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Agreed price
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Payment terms
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Transfer date
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Commission details
🔐 Tip: Work with a licensed agent to ensure legal accuracy.
✅ Step 2: Apply for a No Objection Certificate (NOC)
If the property is in a freehold area managed by a developer (like Emaar, Nakheel, or Dubai Properties), both parties must apply for an NOC from the developer.
This certificate confirms there are:
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No outstanding service charges
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No construction violations
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No objections from the master developer
🕐 Timeline: 3 to 7 working days
💰 Cost: AED 500 – AED 5,000 (varies by developer)
✅ Step 3: Complete Transfer at a Trustee Office
Once the NOC is issued, the buyer and seller visit an approved DLD Trustee Office to complete the transaction. The buyer pays the full amount (usually by manager’s cheque), and the seller hands over the original title deed.
Documents Required:
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Original Title Deed
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NOC from developer
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Emirates IDs & passports of both parties
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Manager’s cheque for property amount
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Manager’s cheque for 4% DLD transfer fee + AED 580 admin fee
📍 Once complete, the new Title Deed is issued immediately in the buyer’s name.
✅ Step 4: Mortgage Registration (if applicable)
If the buyer is using a mortgage, the bank must be involved before the transfer. The property is first mortgaged and registered with the DLD, then transferred to the buyer.
📋 Additional documents:
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Final mortgage offer
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Bank valuation
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Mortgage registration fee (0.25% of loan amount + AED 290)
✅ Step 5: Handover and Move-In
After the deed transfer is complete, the developer facilitates a handover if the unit is vacant or newly built. Service charges, DEWA activation, and community access are typically sorted during this phase.
🧾 Fees Summary for Property Transfer in Dubai
| Item | Approximate Cost |
|---|---|
| DLD Transfer Fee | 4% of property value |
| DLD Admin Fee | AED 580 |
| NOC from Developer | AED 500–5,000 |
| Trustee Office Fee | AED 4,000 (for properties > AED 500K) |
| Mortgage Registration Fee | 0.25% of loan + AED 290 |
🏁 Final Thoughts
Whether you’re buying a dream home or cashing out on a profitable investment, understanding the Dubai property transfer process protects your interests and avoids unnecessary delays.
💼 Tip for Investors: Hire a registered agent and use a trustee office for a safe, regulated process from start to finish.
Still have questions or need help with your property transfer?
📩 Contact us today – we’ll handle the paperwork so you can focus on the investment!
