Dubai Property Buying Checklist – What You Must Know

Buying property in Dubai is an exciting and potentially rewarding experience, especially with the city’s fast-growing real estate market. Whether you're an investor or an end-user, having a Dubai property buying checklist is essential to ensure a smooth, legally compliant transaction.

1. Set Your Budget

Before browsing listings, define your budget. Consider:

• Property price
  
  

• Registration and agency fees (approx. 7–8%)
  
  

• Mortgage costs (if applicable)
  
  

• Maintenance and service charges
  
  

2. Choose the Right Property Type

Dubai offers various property types:

• Apartments
  
  

• Villas
  
  

• Townhouses
  
  

• Off-plan or ready-to-move-in units
  
  

Choose based on lifestyle, investment goals, and ROI potential.

3. Freehold vs. Leasehold Areas

• Freehold: Foreign nationals can buy, own, and sell.
  
  

• Leasehold: Property leased for a limited period (usually 99 years).
  
  

Ensure your selected area allows freehold ownership if you're a non-UAE citizen.

4. Hire a Registered Real Estate Agent

Work only with agents registered with RERA (Real Estate Regulatory Agency). They help:

• Find suitable properties
  
  

• Handle negotiations
  
  

• Ensure legal compliance
  
  

5. Verify Property Details

Before making an offer:

• Visit the property
  
  

• Confirm square footage and amenities
  
  

• Check for service charges and maintenance status
  
  

6. Obtain a No Objection Certificate (NOC)

Once a deal is made, the seller applies for an NOC from the developer, stating there are no outstanding dues.

7. Sign the Sale and Purchase Agreement (SPA)

The SPA outlines:

• Payment plan
  
  

• Property handover terms
  
  

• Penalties for delays
  
  

This agreement is legally binding.

8. Transfer Ownership at Dubai Land Department (DLD)

Final ownership is registered with DLD. Bring:

• Emirates ID or passport
  
  

• NOC
  
  

• Signed SPA
  
  

• Manager’s cheque for the full payment
  
  

9. Understand Ongoing Costs

Factor in:

• Annual service fees
  
  

• Utility bills
  
  

• Property insurance
  
  

Final Thoughts

This Dubai property buying checklist helps you avoid common pitfalls and ensures you’re investing smartly. With the right planning, buying in Dubai can be a smooth and rewarding journey.