Questions and answers

Title Deed (or certificate of title) is an official document confirming ownership of real estate. In the UAE context, including Dubai, the Title Deed is the key document that establishes ownership and rights to a property.

It is issued by the Land Department in Dubai and contains the following important information:

Identification Information: Information about the owner of the property, including name, photograph, and other identifying information.
Property Description: Description of the property such as address, area, lot number, etc.
Legal Restrictions: Any legal restrictions, such as liens or encumbrances, attached to the property.
Unique Title Deed Number: Each title deed has a unique number that identifies the specific property.

A Title Deed is proof of ownership and is commonly used in real estate purchase and sale transactions, as well as for obtaining financing and other legal procedures associated with owning real estate in the UAE.

Dubai has a mortgage system, and foreigners also have the opportunity to take advantage of mortgage loans to purchase real estate. However, the terms and conditions may differ from those in other countries. Here are a few key points:

Banks and Terms:
There are many banks in Dubai offering mortgage loans. Some charge standard requirements such as checking your credit history, income and collateral.
Terms may vary from bank to bank, including interest rates, loan terms and additional fees.
Buyer’s contribution:
Most banks require the buyer to make his own deposit, which is usually between 20% and 25% of the property’s value.
Documentation:
To obtain a mortgage, you need to provide various documents, including proof of income, employment certificate, bank statement and real estate documents.
Credit term:
Mortgage terms typically range from 15 to 25 years, but this can depend on the bank and the specific terms of the deal.
Proof of Ownership:
Property owners are provided with a Title Deed as evidence of title, and the bank is usually the mortgage holder.

To obtain a mortgage in Dubai, it is recommended that you contact professional real estate consultants and financial brokers to obtain detailed information about the available options, conditions and procedures.

Ejari is a rental agreement registration system in Dubai, UAE. This term comes from the Arabic word “إيجاري” which means “my tenant” or “my tenant”. The Ejari system was introduced to regulate the rental property market and ensure transparency in the rental industry.

Important aspects of the Ejari system include:

Registration of Agreements:
Property owners and tenants are required to register their rental agreements in the Ejari system. This is a mandatory requirement under Dubai law.
Transparency in Transactions:
The Ejari system helps improve transparency and fairness in rental transactions. A registered agreement provides both parties with clarity regarding the terms of the lease.
Legalization of Documents:
Registration with Ejari confirms the legality of the rental agreement and gives it legal force. This is also important when resolving disagreements between the tenant and the property owner.
Ensuring Protection Rights:
For tenants, the Ejari system serves as a means of protecting their rights. A registered agreement provides the tenant with documentary evidence of the terms of the transaction.
Other Applications:
Ejari registration may be required when opening bank accounts, connecting to utilities, and in other areas.

For tenants and property owners in Dubai, using the Ejari system is an important step in the rental transaction process, bringing trust and legitimacy to the sector.

In the UAE, as in most countries, the ability to conduct real estate transactions under a power of attorney may depend on specific laws and regulations, as well as the policies of specific real estate authorities. In general:

Power of attorney for real estate:
In some cases, real estate transactions may be completed by power of attorney. A power of attorney is an official document that gives authority to a representative to perform certain actions on behalf of the principal.
Limitations and Powers:
However, it must be taken into account that a power of attorney may be limited and contain specific powers related to real estate. For example, a power of attorney may authorize the representative to sell or lease real estate.
Laws and Regulations:
It is important to check your local laws and regulations, as some countries and regions may have strict rules regarding the use of a power of attorney for real estate transactions.
Authentication and Confirmation:
A power of attorney for real estate transactions usually requires authentication and confirmation by a notary or other legal authority.
Role and Responsibility of the Notary:
A notary can have a key role in confirming and authenticating a power of attorney for real estate. He checks the legitimacy of the document and certifies the signatures of the parties.

Before using a power of attorney for real estate transactions in Dubai, it is important to seek advice from a lawyer or notary to ensure that the process complies with local laws and requirements.

A real estate buyer can generally sell his property when he has full ownership of the property and has all the necessary rights to complete the transaction. The possibility of sale depends on several factors:

Completion of the Transaction:
The buyer can sell the property after the purchase transaction is fully completed. This includes completing the necessary paperwork, obtaining a title deed (eg Title Deed in Dubai), and paying in full all amounts associated with the purchase.
Full Ownership:
Before selling a property, the buyer must have full ownership of the property. This includes settling all legal formalities and making payments if required by the agreement.
Compliance with Legal Obligations:
The buyer must comply with all legal obligations under the purchase agreement. This may include the settlement of liens, taxes and other obligatory payments.
Compliance with Local Laws:
It is important to comply with local laws and regulations regarding the sale of real estate. Different countries may have different regulations and requirements.
Please Note the Limitations:
Some properties may be subject to certain restrictions, such as holding periods before sale. This may depend on local authority rules and policies.

Before selling a property, a buyer should carefully review the terms of their contract, check local laws and obligations, and consult with real estate and legal professionals to avoid unexpected problems.

Rental income from real estate can vary significantly depending on various factors, including market conditions, location, type of property, condition of the property, and rental demand in a particular area. Here are a few key factors that can affect rental yield:

Market Conditions:

Rental rates may fluctuate depending on current market conditions. During periods of high demand for housing, rental prices may be higher.

Property location:

Properties located in the city center or popular areas tend to have higher rental rates due to the convenience of the location.

Property Type:

Different types of real estate (eg apartments, houses, commercial premises) may have different levels of rental income.

Object Condition:

Good condition and modern amenities can make a property more attractive to tenants, which in turn can affect rental rates.

Long-term or Short-term Rentals:

Rental income may vary depending on whether the property is offered for long-term or short-term rental (for example, through short-term rental platforms such as Airbnb).

Collection of Additional Fees:

Owners can charge additional fees such as utilities, gardening, parking and others, which can also increase overall income.

Ongoing Maintenance Costs:

You need to consider the ongoing costs of maintaining the property, such as taxes, insurance, maintenance and repairs.

To more accurately estimate expected income and develop a rental strategy, it is recommended to contact local real estate professionals and conduct a market analysis.

Yes, in the UAE you can rent out purchased property to other people. The rental process in the UAE is subject to certain rules and regulations. Here are a few key points:

Ejari Registration:
Property owners in the UAE are required to register their rental agreements in the Ejari system. This ensures the legitimacy of the transaction and gives legal protection to both the owner and the tenant.
Rental Agreements:
To rent out real estate, a rental agreement is concluded between the owner and the tenant. This document defines the basic terms of the lease, such as the term, rental price, rules of use and other important aspects.
Owner’s obligations:
The property owner is obliged to provide the property in accordance with the terms of the contract and comply with service standards.
Rental Rates:
Rental rates may depend on various factors such as the location of the property, its type and condition, as well as current market conditions.
Taxes and Mandatory Payments:
Property owners are also required to pay applicable taxes and other mandatory payments associated with the lease.
Rental Management:
Owners can manage rentals themselves or seek help from professional rental management companies.

Before renting out a property in the UAE, it is recommended that you consult with local real estate experts and lawyers to ensure you are familiar with current regulations and ensure legal protection for the owner and tenant.

Oqood is a virtual registry system designed to register and track real estate sales contracts in the Emirates. This system was introduced in Dubai, UAE to increase transparency and ease the process of registering real estate transactions.

DLD stands for Dubai Land Department and is the leading body in Dubai responsible for the regulation and management of land and real estate in the city. DLD performs key functions in the real estate sector and plays an important role in promoting transparency and efficiency in the sector.

The main responsibilities of the DLD include:

Real Estate Registration:

DLD is responsible for registering all types of real estate in Dubai, including residential and commercial.

Issuance of Title Deed:

DLD issues a “Title Deed”, which is the key document confirming ownership of the property.

Real Estate Market Management:

Monitoring and managing the real estate market, including collecting and analyzing statistical data on trends and prices.

Development and Improvement of Legislation:

DLD is actively involved in the development and improvement of legislation regulating the real estate market in order to create a favorable investment environment.

Investment Promotion:

Providing information and services to investors, real estate agents and other market participants.

Digitalization of Processes:

DLD is actively implementing technologies to digitalize processes, such as the Ejari registration system and other electronic platforms.

Dubai Lands Department strives to bring transparency, efficiency and innovation to the real estate industry, promoting market development and attracting investment.

“Off-plan” in the context of real estate refers to the stage of construction or sale of real estate before its actual completion. This means that the property has not yet been built or is just under construction, and sales begin before the building is ready for occupancy.

What documents are required to purchase real estate from a developer?

When purchasing real estate from a developer (off-plan) in the UAE, you will need to provide various documents during the transaction process. The exact requirements may vary slightly depending on the specific project and developer, but the following documents are generally required:

Copy of the passport:
A copy of your passport with visa. In case of co-ownership with other investors, copies of their passports are required.
Copy of Visa:
A copy of your UAE visa or residence permit.
Photos:
Color photographs of the applicant are usually required.
Bank Statement:
A statement from your bank account confirming your financial capabilities. Some developers may require proof of financial solvency.
Payment Guarantees:
In some cases, payment guarantees may be required to ensure your ability to pay the cost of the property.
Purchase Application:
A completed application to purchase real estate from the developer.
Power of Attorney:
If you are using a representative to complete a transaction, you may need a Power of Attorney to certify that the representative is authorized to act on your behalf.
Reservation Letter:
If you are reserving a specific unit in a project, written confirmation of your reservation may be required.
Other Documents:
Depending on the specific requirements of the developer, other documents may be required.

It is important to contact the developer directly or lawyers specializing in real estate in the UAE to clarify all requirements and ensure that all procedures are followed.

Purchasing real estate in the UAE involves several stages and requires compliance with certain procedures. Here is a general overview of how the process of buying real estate in the UAE works:

Object Selection:
Determine the type of real estate you are interested in (apartment, house, commercial space, etc.). Select a specific project or object.
Reservation and Conclusion of the Agreement:
After choosing a property, you reserve a unit and enter into a preliminary agreement with the developer. Usually a small deposit is paid at this time.
Collection of Documents:
Prepare the necessary documents, such as copies of your passport, visa, bank statements, and other documents that may be required depending on the requirements of the developer.
Signing the Official Sales and Purchase Agreement:
After a successful reservation, you sign a formal sales contract with the developer. This agreement defines all the terms of the transaction, the cost of the property, payment terms and other important aspects.
Payment of Fees:
In accordance with the terms of the agreement, you begin paying the fees. Typically, payments occur in stages during the construction of the project.
Receiving Title Deed:
Once construction is completed and all required amounts have been paid, you will receive a certificate of ownership known as a Title Deed.
Registration in Ejari:
If you are buying a rental property, register your property in the Ejari system.
Transfer of Keys:
After completion of construction and receipt of the Title Deed, you will be given the keys to your property.
Payment of Taxes and Fees:
You may be required to pay taxes and fees associated with the purchase of real estate.
Property management:
If necessary, start managing your property, such as rentals.

It is important to remember that procedures may vary slightly depending on the developer, region and type of property. Before entering into a transaction, it is recommended to obtain professional advice and familiarize yourself with the terms of the specific contract.

We are ready to offer our clients comprehensive support: from analyzing the needs of a potential buyer to calculating the investment attractiveness of a particular property.

We perform:

1) Finding suitable real estate that matches the clients’ wishes and budget.

2) We coordinate the financing procedure.

3) We provide personal support when signing documents. 4) We help find an attractive financing package for a potential investor.

There is no direct property tax in the UAE. However, there are some mandatory fees and taxes that may be associated with the purchase and ownership of real estate, and these may vary depending on the emirate. For example:

Registration Fees: When registering a real estate purchase transaction, certain registration fees are usually charged.
Transfer Fee: This may be a fee levied when a property passes from one owner to another.
Maintenance and Utilities: Property owners may be required to pay for maintenance and utilities.
Rental Income Tax: If you rent out your property, you may be liable to pay rental income tax. However, rates and rules may vary.
Land tax: In some cases, a land tax may be imposed, especially on undeveloped land.

Therefore, even if the buyer resides abroad, he may still be required to pay some mandatory fees and taxes associated with real estate in the UAE. It is important to seek advice from local experts or attorneys to determine the specific requirements and obligations for a particular transaction and property.

Deciding whether buying property in Dubai is a good investment depends on various factors, including your financial goals, holding period, market conditions and your personal approach to risk. Here are a few factors to consider:

Economic Stability:
Dubai is one of the economically stable and developed cities in the region, which may be attractive to investors.
Growing Real Estate Market:
Over the past decades, Dubai has been actively developing its real estate market, offering a variety of projects and infrastructure improvements.
Attractiveness for Investors:
Dubai attracts many foreign investors due to its international status, innovative projects and tax incentives.
Tourist Flow:
Tourism is a key component of Dubai’s economy. A constant flow of tourists can contribute to rental yields.
Real Estate Market Trends:
Check the Dubai real estate market trends periodically. As with everything, prices and demand are subject to change.
Rules and Regulations:
Read the rules and regulations regarding property in the UAE to ensure you are aware of all obligations and restrictions.
Long Term Prospects:
Evaluate your long-term investment goals. Real estate is generally a long-term investment.
Investment Management:
Consider property management. If you intend to rent, property management may be required.

Despite the attractive factors, it is recommended to conduct thorough analysis and consultation with local real estate and finance experts to make an informed decision about investing in real estate in Dubai.

We have been in Dubai since 2010. During this time, we managed to assemble a team of experts not only in real estate, but also in the Emirates in general. These are people who worked for developers, banks, and government agencies. We have carried out complex transactions and know Dubai and the Emirates very well because it is our second home. We are able to register objects for trust funds, offshore companies, free zone companies, because… We understand how important it is to protect the buyer’s identity.

We know every house and residential complex in Dubai and the Emirates, all their advantages and features. For example, we know where in Dubai the apartments with the best sea views are, where the most luxurious VIP villas are with unique decoration from fashion couturiers and designers, where the greenest areas and the longest swimming pools are. We know in which closed areas it is best to live with your family, so that your children can study nearby in elite English or American schools or universities. We know developers who keep up with the times and are ready to accept cryptocurrencies as payment.

We select real estate that is ideal for you. For example, if you have children, we will select a complex where there will be a playground, a kindergarten and access to the best clubs for your children. And if you are buying a property for investment, we will tell you about the areas and buildings that bring the highest returns in the long and short term, sending you data that we receive directly from the Dubai Land Department, so your decision will be based on real data, which are updated every day.

In the UAE, including Dubai, acceptance of payment by check may be limited by a number of factors, including the status of the landlord and banking regulations. It is important to consider the following points:

Banking Policies:
Banks in the UAE have their own policies and requirements for the use of checks. Some banks may allow the use of checks in certain cases, while others may give preference to electronic forms of payment.
Non-residents and Lack of Personal Account:
If the landlord is not a resident of the UAE and does not have a personal bank account in the country, this may make it difficult to use a check to receive payment.
Alternative Payment Methods:
For non-residents and those who do not have a personal account in the UAE, alternative payment methods such as bank transfer or other electronic means may be offered.
Rules of the Lease Agreement:
Requirements for payment methods may be specified in the lease agreement. It is important to carefully read the terms of the contract and clarify which payment methods are allowed.
Consultations with the Bank:
Before executing an agreement and accepting payment by check, it is recommended to consult with the lessor’s bank to clarify the possibility of using checks.

Due to the factors described above and changes in banking policies, it is recommended that you discuss the matter with your bank and possibly consult with a UAE real estate lawyer to ensure compliance with local regulations and requirements.

In Dubai, as throughout the UAE, checks are one of the common means of payment. However, it is worth noting that the system for using checks in the UAE is different from some other countries and their use is subject to strict rules and regulations.

In the UAE, including Dubai:

Checks as a means of payment:
Checks are used to make payments and are written documents that the holder gives to his bank, ordering the payment of a sum of money to another person (payee) who has an account with that bank.
Unconditional Checks:
In the UAE, checks are usually issued in the form of “unconditional checks”. This means that they can be presented for payment at any time, and even if there are not sufficient funds in the account at the time of presentation, the bank may be obliged to cover them.
Using Checks in Real Estate:
In the context of real estate, checks can be used to pay rent or as security deposits. For example, when concluding a real estate lease, the tenant can write a check for the amount of the deposit.
Penalties for Failure to Cover:
If a check is not covered by sufficient funds, there may be serious legal consequences, including fines and possible legal action.
Checks and Banking Practice:
Due to the risks associated with the use of checks, many companies and banks in the UAE have begun to prefer electronic means of payment and bank transfers.

When using checks in Dubai and the UAE, it is important to follow the rules and obligations to avoid negative consequences. Before using checks in transactions, you should familiarize yourself with the rules and requirements of the bank and strict compliance with legal regulations.

Payment for rental property in Dubai, UAE is often made through a bank check. This payment method is common and provides security for the tenant and landlord. Here is the general procedure for paying rent in Dubai:

Conclusion of the Lease Agreement:
First, a lease agreement is concluded between the tenant and the landlord. The agreement specifies the lease term, rent amount, payment terms and other important details.
Issuing a Check for the Deposit:
The tenant issues a bank check for the amount of the Security Deposit, which is usually equal to one, two or three monthly rent payments. This check is provided to the landlord as a sign that the tenant is willing to provide a security deposit in the event of a breach of contract.
Issuing Checks for Rent:
The tenant issues post-dated cashier’s checks for the full amount of rent for the entire lease term (usually 12 months). Post-dated checks indicate a future payment date.
Signing the Receipt:
After the checks are presented, the tenant and landlord sign a receipt (Cheque Acknowledgment Receipt), which indicates the number of checks, amount, dates and other details.
Mailbox Rent:
The lessor deposits post-dated checks into his mailbox at the bank on the dates prescribed in the agreement.
Use of Electronic Payment Methods:
Recently, there has also been a shift towards the use of electronic means of payment, such as bank transfers or online payment systems. This is a more modern and efficient way of making payments.

It is important to note that the terms of the lease may vary slightly depending on the contract and the agreement of the parties. Before concluding a contract, it is recommended to carefully read the terms and conditions and clarify details with the landlord or real estate agency.

The process of renting out a property in Dubai, UAE involves several steps and it is important to follow local laws and regulations. Here’s the general procedure:

Property Preparation:
Prepare the property for rent. Make sure it is in good condition and carry out any necessary repairs and cleaning.
Market Rating:
Assess the current real estate market in Dubai to determine a reasonable rental price for your property.
Tenant’s choice:
Find the right tenant. This can be done independently or through a real estate agency. Conduct the necessary tenant screening process.
Drawing up a Lease Agreement:
Enter into a rental agreement that must comply with local laws. The agreement usually includes the terms of the lease, term, rent, rules of use and obligations of the parties.
Providing Collateral:
Conclude a Security Deposit Agreement and receive a deposit from the tenant. The deposit is usually 5-10% of the annual rent.
Determination of Payment Terms:
Determine the terms of the rent. In Dubai, rent is usually paid on an ongoing basis – annually, four times a year or monthly.
Signing the Receipt:
Sign a receipt (Cheque Acknowledgment Receipt) confirming receipt of checks or other means of payment.
Registration in Ejari:
Register your rental agreement in Ejari, which is the official electronic property registration system in Dubai.
Transfer of Object:
Hand over the property to the tenant by drawing up a transfer and acceptance certificate. Details of the condition of an object are often recorded in documents.
Management support:
If you use a property management agency, provide them with the appropriate information and begin the rental management process.

It is important to pay attention to all local legal requirements and the responsibilities of both the landlord and the tenant. Obtaining professional advice or using the services of a real estate agent may also be helpful to ensure that all necessary procedures are followed.

Yes, in Dubai, UAE, it is mandatory to register the rental agreement in the official electronic system called Ejari. This system is designed to register and manage rental agreements. Registration with Ejari is mandatory according to local laws and without this registration the landlord cannot have certain rights.

Here’s how to properly register a rental agreement in the Ejari system:

Preparation of Documents:
Prepare all necessary documents, including copies of the tenant’s and landlord’s passports, lease agreement, collateral agreement and other documents that may be required.
Visit to the Ejari Registration Center:
Contact one of the Ejari registration centers in Dubai. The centers can be located in different parts of the city.
Filling out Forms:
Complete the required registration forms. You will usually be provided with a rental application form.
Provision of documents:
Provide all required documents and completed forms to the registration officer.
Payment of Registration Fee:
Pay the registration fee. The amount may vary and is usually paid by the landlord.
Obtaining a Registration Number:
After successful registration, you will receive a unique Ejari registration number. This number should be indicated in the rental contract.
Printout of Ejari Certificate:
Once the process is complete, you can print an Ejari certificate confirming your rental agreement has been registered.
Delivery to the Bank:
If post-dated checks are used, the landlord may deposit them at his bank in accordance with the terms of the lease contract.

Registration with Ejari ensures transparency and protection of the rights of both the landlord and the tenant. It is important to make sure that the lease is registered within a certain period of time after it is signed to avoid possible fines and unpleasant situations.

There is no direct property tax in the UAE, including Dubai. However, different emirates may have different rules and fees.

In Dubai, for example, a Property Transfer Fee has been introduced, which is usually 4% of the value of real estate and is paid upon purchase or sale.

Tax in % for other cities:

Abu Dhabi: The property transfer tax rate in Abu Dhabi can vary from 2% to 4% depending on various factors.

Ajman: In Ajman, the property transfer tax is usually 4%.

Ras Al Khaimah: The property transfer tax rate in Ras Al Khaimah is generally 2%.

Umm Al Quwain: In Umm Al Quwain, a property transfer tax rate of 2% may also apply.

Sharjah: In Sharjah, the property transfer tax rate can vary, but is often 4%.