Off-Plan (Under-Construction) Properties are registered in the OQOOD system. This is the off-plan counterpart of the Title Deed.
This is the ownership certificate. It is issued by Dubai Land Department on the transfer of a fully constructed property.
It is a non-profit organization comprising of all the owners of a jointly owned property. The association is responsible for Management, Operation and Maintenance of the jointly owned areas.
It is an online registration system for Owners Associations which can be used for various purposes such as collecting maintenance charges, etc./p>
The Dubai Land Department is responsible for managing, regulating and promoting the real estate sector.
Registration Trustees are appointed by the DLD to conduct real estate property transfers on its behalf.
In case of a cash buyer and a mortgaged property, blocking is a service offered by DLD to protect buyers who agree to settle seller’s mortgage before transfer.
The broker will be able to find you a suitable property only if you mention your needs accurately.
Viewing too many properties is the perfect recipe for confusion.
The NOC charges are usually payable by the seller.
The DLD transfer fees and RT registration fees are payable as agreed by the buyer and the seller.
A mortgaged property cannot be transferred unless the mortgage is settled.
Blocking a property with DLD protects the buyer against fraudulent sellers.
Pre-approval letter helps you in defining the buyer’s budget and also gets them more leverage during negotiations.
The buyer’s contribution to the purchase price should at least be 25%.
The 0.25% mortgage registration charges are payable by the buyer.
The original Title Deed will be held by the bank until the full loan amount is settled. In case of Islamic Banks, the Title Deed will be issued in the bank’s name and you will be mentioned as the tenant.
1. Contact a broker and sign Form B with him. 2. Describe your needs clearly. For example, type of property, number of rooms, location, etc. 3. The broker will then offer multiple options based on the needs you described. 4. Schedule a viewing of the property you feel to be best suited. 5. If you like the property, make an offer. 6. In case you’re not satisfied, ask the broker for another option. 7. Try not to view more than 3 options. The more properties you view, the more confused you will be.
1. If the seller accepts your offer, you sign the property sales contract also known as Form F. 2. Handover a deposit cheque in the name of the seller. The industry standard is 10% of the selling price. The cheque is usually held by the seller’s broker till transfer. 3. The seller then obtains a No Objection Certificate (NOC) from the developer stating that all his dues are clear. The fee for NOC is usually paid by the seller. 4. Once you have the NOC, you can go to the Registration Trustee (RT) to transfer the ownership. RT will charge a registration fee of Dh4,000 for properties above Dh500,000 and Dh2,000 for properties below the said amount. It is payable as agreed by the buyer and the seller. During the transfer you have to carry the following in Manager’s cheques: - Full selling price payable to the seller. - A part or whole of the 4% DLD transfer fees as agreed with the seller along with Dh580 as registration fees payable to DLD. - Brokerage Cheque in the name of the company, if applicable. 5. After completing these formalities, the original Title Deed will be issued by DLD. The seller will then hand over the keys and access cards for the property.
1. Contact a broker and sign Form B with him. 2. Describe your needs clearly. For example, type of property, number of rooms, location, etc. 3. The broker will then offer multiple options based on the needs you described. 4. Schedule a viewing of the property you feel to be best suited. 5. If you like the property, make an offer. 6. In case you’re not satisfied, ask the broker for another option. 7. Try not to view more than 3 options. The more properties you view, the more confused you will be
1. If the seller accepts your offer, you sign the property sales contract also known as Form F. 2. A mortgaged property can only be transferred after the loan is settled. To ensure that you’re protected while paying the seller’s mortgage, you can block the property at RT office. You have to submit the following documents: - Signed Form F. - Liability letter from the seller’s bank. - Copy of the title deed. - Manager’s cheque for the liability amount mentioned in the letter payable to the seller’s bank. - Manager’s cheque for 4% DLD transfer fees as agreed between you and the seller along with Dh580 registration fees payable to DLD. - A cheque for Dh1,520 blocking fee payable to DLD. - A cheque for the remaining amount payable to the seller. - Brokerage Cheque in the name of the company, if applicable. 3. After you submit these documents, DLD hands over the liability amount cheque to the seller so that he can clear the mortgage and get the original Title Deed.
1. The next step is to obtain a No Objection Certificate (NOC) from the developer stating that all the seller’s dues are clear. The fee for NOC is usually paid by the seller. 2. Once you have the NOC, you can go to the Registration Trustee (RT) to transfer the ownership. The RT will charge a registration fee of Dh4,000 for properties above Dh500,000 and Dh2,000 for properties below the said amount. It is payable as agreed by the buyer and the seller. 3. After completing these formalities, the original Title Deed will be issued by DLD. The seller will then hand over the keys and access cards for the property.
1. Obtain a pre-approval letter from your bank with the maximum amount they can lend. With this letter, you can aim for a particular price range. It also gives you leverage while negotiating with the sellers. 2. Contact a broker and sign Form B with him. 3. Describe your needs clearly. For example, type of property, number of rooms, location, etc. 4. The broker will then offer multiple options based on the needs you described. 5. Schedule a viewing of the property you feel to be best suited. 6. If you like the property, make an offer. 7. In case you’re not satisfied, ask the broker for another option. 8. Try not to view more than 3 options. The more properties you view, the more confused you will be.
1. If the seller accepts your offer, you sign the property sales contract also known as Form F. 2. After the contract is signed, the bank will evaluate the property value. It usually costs between Dh2,500 to Dh3,500. 3. If the evaluated price of the property is more or equal to the purchasing price, the bank will issue a Final Offer Letter (FOL). Once the FOL is signed and you issue the security cheques needed by the bank, the Transfer stage starts.
1. The next step is to obtain a No Objection Certificate (NOC) from the developer stating that all the seller’s dues are clear. The fee for NOC is usually paid by the seller. 2. Once you have the NOC, your bank will schedule an appointment with the Registration Trustee (RT) to transfer the ownership. RT will charge a registration fee of Dh4,000 for properties above Dh500,000 and Dh2,000 for properties below the said amount. It is payable as agreed by the buyer and the seller. You also have to carry the following in Manager’s cheques: - Contribution to the purchase price payable to the seller (Should at least be 25% as prescribed by UAE Central Bank regulations). - Part or whole of the 4% DLD transfer as agreed along with Dh580 registration fees payable to DLD. - 0.25% mortgage registration fees plus Dh290 payable to DLD. - Brokerage fees payable to the company, if applicable. 3. After completing these formalities, the original Title Deed will be issued by DLD. The seller will then hand over the keys and access cards for the property.
1. If the seller accepts your offer, you sign the property sales contract also known as Form F. 2. After the contract is signed, the bank will evaluate the property value. It usually costs between Dh2,500 to Dh3,500. 3. If the evaluated price of the property is more or equal to the purchasing price, the bank will issue a Final Offer Letter (FOL). 4. The seller will then obtain a Liability letter from his lending bank and this letter will then be sent to buyer’s bank for settling the debt and obtaining the clearance letter along with the original Title Deed.
1. The next step is to obtain a No Objection Certificate (NOC) from the developer stating that all the seller’s dues are clear. The fee for NOC is usually paid by the seller. 2. Once you have the NOC, your bank will schedule an appointment with the Registration Trustee (RT) to transfer the ownership. RT will charge a registration fee of Dh4,000 for properties above Dh500,000 and Dh2,000 for properties below the said amount. It is payable as agreed by the buyer and the seller. You also have to carry the following in Manager’s cheques: - Contribution to the purchase price payable to the seller (Should at least be 25% as prescribed by UAE Central Bank regulations). - Part or whole of the 4% DLD transfer as agreed along with Dh580 registration fees payable to DLD. - 0.25% mortgage registration fees plus Dh290 payable to DLD. - Brokerage fees payable to the company, if applicable. 3. Your bank will issue a cheque of the difference amount payable to the seller. 4. After completing these formalities, the original Title Deed will be issued by DLD. The seller will then hand over the keys and access cards for the property.
It is an online registration tool introduced by the RERA. Each individual tenancy contract has to be registered with EJARI.
It is readily available on EJARI’s website with basic terms. You can fill in the landlord’s and tenant’s details along with any additional terms you want to add.
The Real Estate Regulation Authority is the regulating arm of the DLD.
Dubai Electricity and Water Authority is responsible for the supply of electricity and water in Dubai. The tenant needs to register their EJARI with DEWA to activate the supply.
Rental Dispute Centre is a branch of DLD that handles all the rental disputes in Dubai.
This denotes the number of instalments the tenant is allowed for paying the annual rent.
An amount collected by the landlord as a security against any damage done to the property by the tenant. The industry standard is 5% and 10% of annual rent for unfurnished and furnished properties respectively.
1. Only work with RERA registered brokers. Ask your broker for his/her broker ID. You can verify the same on Dubai Brokers App. 2. It is compulsory to register Tenancy Contract with EJARI. EJARI certificate will be acceptable at every government agency as a proof of address. The certificate is also needed in case of any dispute. 3. The landlord cannot increase the rent randomly. An increment in rent can only be done in accordance with Rent Index set by RERA. The rental index can be accessed on: Click Here. 4. The rent can only be increased according to the following slabs based on the difference between the rent paid and the rent index: - No increment in rent can be made if the rent is paid up to 10% less than the index. - In case the rent paid is 11-20% less, the landlord can increase up to 5% - If it falls short by 21-30%, a 10% hike is allowed - 15% increase is allowed in case the difference is between 31 to 40% - If the difference is more than 40% the rent can be increased up to 20% 5. The landlord has to give a 90-day notice in case they want to increase the rent.
1. Find a registered broker. 2. Meet the broker and list all your requirements such as the number of bedrooms, floors, preferable neighbourhoods, etc. 3. Mention your budget very specifically, because an open budget will waste a lot of time. 4. View the properties offered by the broker. 5. If you’re not satisfied with the properties, verify the broker’s understanding of your requirements. 6. If you like the property, make an offer.
1. If the landlord accepts your offer, book the property by issuing a cheque for security deposit (industry norm is 5%) 2. The broker will now get a tenancy contract for you and landlord to sign. Read the terms mentioned in the tenancy contract carefully before signing. You can even mention additional terms you want to include. 3. Once you clear all the dues like part or whole of annual rent as agreed with the landlord, the tenancy contract will be registered with EJARI by the broker or landlord. EJARI charges are Dh215 for villas and apartments as well. This is payable by you.
1. Before moving in, you will have to activate DEWA services by submitting the EJARI certificate. DEWA will charge a security deposit of Dh2,000 for apartments and Dh4,000 for villas. Other than this, an admin fee of Dh130 will be charged in both apartments and villas. 2. 24 hours after paying the above-mentioned charges, your DEWA services will be activated. 3. The next step is to get any permit required from the developer or the management company. This can take up to 5 working days. 4. After acquiring all the permits, you can move in the property.
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