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    Dubai introduces new service charge disclosure rules for villa buyers

    RERA mandates detailed service charge breakdowns before MOU signing. What this means for mortgage affordability calculations.

    By — Head of Prime MortgagesPublished Updated 5 min read
    Dubai Real Estate Regulatory Agency building

    Dubai's Real Estate Regulatory Agency (RERA) has introduced mandatory service charge disclosure rules that require sellers and developers to provide a detailed breakdown of all service charges, maintenance fees, and sinking fund contributions before any Memorandum of Understanding is signed. The new rules, effective from 1 April 2026, are designed to eliminate the hidden costs that have caught out many villa buyers.

    What must be disclosed

    • Annual service charges per square foot, broken down by category (security, landscaping, common utilities).
    • Sinking fund contributions for major maintenance and infrastructure replacement.
    • Any outstanding service charge liabilities on the property.
    • Five-year historical charge data and any announced increases.

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