Deposit Calculator
How much deposit do youneed in Dubai?
Calculate your total cash requirement including down payment, DLD fees, agency commission, mortgage registration, and valuation costs. Essential planning tool for Dubai property buyers.
Total Cash Required
AED 630,250
Including all fees & charges
Cost Breakdown
Mortgage Amount
AED 1,500,000
Loan required from bank
Understanding Dubai Purchase Costs
Buying property in Dubai involves several fees beyond the purchase price. Here's what each fee covers:
Dubai Land Department (DLD) Fee — 4%
Mandatory government fee for property registration. Paid at the time of transfer.
Registration Fee
AED 4,000 + 0.25% of mortgage amount. Covers title deed registration and mortgage registration.
Valuation Fee — ~AED 2,500
Bank-appointed valuer assesses property value. Required for mortgage approval.
Agency Fee — 2%
If using a real estate agent. Fee is typically split between buyer and seller.
Down Payment Rules by Buyer Type
UAE Residents — First Property
20% minimum
Can finance up to 80% of property value. Applies to properties under AED 5M.
UAE Residents — Subsequent Properties
30-35% minimum
Higher deposit required for investment properties or second homes.
Non-Residents / Expats
25-35% minimum
Most banks require 25% minimum; some may require 30-35% depending on profile.