What it really costs to buy in Dubai
Every fee between the price and the keys, with the cash you need on the day.
The price
Paying
At least 20% for this purchase: the UAE Central Bank caps the loan at 80% of the price.
- Down payment
- AED 400,000
- Loan
- AED 1,600,000
Fees you can adjust
Typical: up to 1% of the loan, plus vat. Some banks waive it; the offer letter states it.
Typical: AED 2,500 to 3,000, plus VAT.
Typical: AED 500 to 5,000, plus VAT, usually paid by the seller.
Optional. Only where the seller has paid ahead.
Talk it through
An adviser can walk you through every line, and what changes with a different price or plan.
Fees per the Dubai Land Department and lenders as of October 2026. Estimates only, not financial advice.