What taxes and fees need to be paid when purchasing real estate in the United Arab Emirates?

When purchasing real estate in the United Arab Emirates, the taxes and fees vary depending on the emirate. The main fees are as follows:

Dubai

Land Department Registration Fee: 4% of the total property price.

Real Estate Brokerage Fee: If purchasing through a real estate agent, it is typically 2% of the property price.

Property Valuation Fee: Especially required when purchasing with a loan, usually ranging between 2,500 to 5,000 dirhams.

Mortgage Registration Fee: Required for loan purchases, typically 0.25% of the loan amount plus 290 dirhams.

Property Certificate Processing Fee: 430 to 580 dirhams.

Abu Dhabi

Purchasing from a developer (primary market)

Admin Fee: Up to 5,000 dirhams.

ADM: 2% of the property price.

Purchasing a resale property (secondary market)

Brokerage Fee: 2% of the property price.

Transfer Fee: 5,250 dirhams.

ADM Valuation Fee: 1,050 dirhams.

NOC Fees: Varies depending on the situation.

Purchasing with a loan

Brokerage Fee: 2% of the property price.

ADM: 2% of the property price.

Bank Fees: Approximately 1%-1.25% of the loan amount.

Transfer Fee: 5,250 dirhams.

ADM Valuation Fee: 1,050 dirhams.

Bank Valuation Fee: 3,000 dirhams.

NOC Fees: Varies depending on the situation.

Other Emirates

For example, in Sharjah, while there are no particularly complex taxes and fees specifically for real estate purchases, tenants are required to pay a 2% rental tax.