How much cash do you need to buy?
Your deposit plus every fee, in one number. Change the price and your choices to see how it moves.
What doesn't it include?
The costs that come after you buy.
Moving in.
Furniture, utility deposits and any work on the home.
Developer NOC.
Usually paid by the seller on resale homes, but check your agreement.
Exact bank fees.
Banks differ. Ask for a written breakdown before you commit.
Where do these numbers come from?
Each figure follows the fees and lending rules in our guides, with every source linked there. It uses the top of each range, so you're unlikely to be caught short.
Deposit
Set by UAE Central Bank limits: 80% loans on a first home up to Dh5m, 70% above that, 60% on a second home and 50% off-plan. Mortgage guide
Registration and title deed
2% of the price, often split with the seller, plus Dh1,000 for the title deed. Buying costs guide
Agency fee
2% of the price plus 5% VAT, if you use an agent. Buying direct from a developer usually means no agency fee. Off-plan or ready
Mortgage costs
A bank fee of up to 1% of the loan, a valuation and mortgage registration. Mortgage guide
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