Veer&Sant · Real Estate
What a Dubai purchase actually costs
Enter a list price and see every fee that lands on top of it — government, transaction and mortgage — plus the cash you need on transfer day.
The purchase
AED
Property
Paying by
Adjust the assumptions
Cash needed on transfer
Fees on top of price
Monthly outgoing
Where the cash goes
Itemised statement
The mortgage
Loan amount
Monthly repayment
Total interest
Total repaid
Annual running costs
Service charges
Building insurance
Total per year
excludes DEWA, chiller and Ejari
Per month
How to read this. Government fees are fixed by the Dubai Land Department and cannot be added to a
mortgage — the 4% transfer fee and everything beside it must be paid in cleared funds on transfer day.
Lending caps are set by the UAE Central Bank: 80% LTV on a resident's first property under AED 5m, 70% above it,
60% on a second property, and 50% on off-plan; non-residents are typically held to 50–60%. Bank arrangement,
valuation and insurance charges vary by lender, and NOC fees vary by developer — open
Adjust the assumptions to match a specific quote. Indicative only, not a formal quotation or
financial advice.
Veer & Sant Real Estate LLC · RERA ORN 38423 · Al Ameri Tower, Barsha Heights, Dubai · james@veersant.com
