How to Transfer Property Ownership in Dubai: A Step-by-Step Guide

Learn how to transfer property ownership in Dubai, including DLD fees, legal requirements, mortgage settlements, and necessary documents.

Article Overview

1. Types of Property Transfers in Dubai

2. Property Transfer Process in Dubai (Step-by-Step Guide)

Step 1: Prepare the Required Documents

Step 2: Sign a Memorandum of Understanding (MOU)

Step 3: Obtain a No Objection Certificate (NOC)

Step 4: Complete the Property Transfer at a Trustee Office

3. Property Transfer Fees & Charges in Dubai

4. Mortgage-Linked Property Transfers

5. Gift Transfers (Hiba) – Transferring Property to a Family Member

6. Inheriting a Property in Dubai

7. How to Ensure a Smooth Property Transfer in Dubai

Conclusion

Dubai's real estate market is one of the most investor-friendly in the world, offering transparent and well-regulated property transactions. Whether you're buying, selling, gifting, or inheriting property, understanding the Dubai property transfer process is essential to ensure a smooth and legally compliant transaction.

This guide outlines the step-by-step process of transferring property ownership in Dubai, including fees, required documents, and key legal considerations.

1. Types of Property Transfers in Dubai

Before initiating the property transfer process, it’s crucial to determine the type of transfer:

✔ Sale Transfer – When selling a property to a new buyer.
✔ Gift Transfer (Hiba) – Transferring ownership to a family member.
✔ Mortgage-Linked Transfer – When the property is financed.
✔ Inheritance Transfer – Based on Sharia Law or a registered Will.

🔗 Dubai Land Department Property Transfer Services

2. Property Transfer Process in Dubai (Step-by-Step Guide)

Step 1: Prepare the Required Documents

The following documents are needed for property ownership transfer:

• Original Title Deed (obtained from Dubai Land Department).

• Buyer’s and Seller’s Emirates ID & Passport (for residents).

• No Objection Certificate (NOC) from the developer (if required).

• MOU (Memorandum of Understanding) signed by both parties.

• Mortgage clearance letter (if the property is financed).

• Inheritance or gift documentation (if applicable).

🔗 Check Required Documents on DLD Portal

Step 2: Sign a Memorandum of Understanding (MOU)

✔ The buyer and seller sign an MOU at the broker’s office or Trustee office.
✔ A 10% deposit is usually paid by the buyer to secure the property.
✔ MOU must be registered with RERA (Real Estate Regulatory Authority).

🔗 Dubai RERA Regulations

Step 3: Obtain a No Objection Certificate (NOC)

✔ The seller must apply for an NOC from the property developer.
✔ The NOC confirms there are no outstanding service charges or disputes.
✔ Developers charge between AED 500 – AED 5,000 for an NOC.

🔗 List of Dubai Developers

Step 4: Complete the Property Transfer at a Trustee Office

✔ Both buyer and seller must visit a DLD-approved Trustee Office.
✔ The Trustee will verify documents, register the transaction, and process fees.
✔ The buyer must pay the remaining property price before the final handover.
✔ A new Title Deed is issued in the buyer’s name.

🔗 Find a DLD Trustee Office

3. Property Transfer Fees & Charges in Dubai

🔗 Dubai Land Department Fees

4. Mortgage-Linked Property Transfers

If the property has an existing mortgage, additional steps apply:

✔ The buyer must apply for a mortgage pre-approval (if financing).
✔ The seller must request a mortgage clearance letter from their bank.
✔ The buyer’s bank settles the seller’s mortgage before transfer.
✔ A new mortgage is registered under the buyer’s name.

🔗 Compare Mortgage Options in Dubai

5. Gift Transfers (Hiba) – Transferring Property to a Family Member

✔ Allowed only between first-degree relatives (parents, children, spouses).
✔ DLD Gift Transfer Fee: 0.125% of property value.
✔ A legal gift deed (Hiba contract) must be notarized.

🔗 Gift Transfers on DLD Portal

6. Inheriting a Property in Dubai

✔ If a property owner passes away without a registered will, inheritance follows Sharia Law.
✔ Non-Muslims can create a registered DIFC Will for property distribution.
✔ Heirs must apply for inheritance approval from Dubai Courts.

🔗 Dubai DIFC Wills for Expats

7. How to Ensure a Smooth Property Transfer in Dubai

✅ Hire a Trusted RERA-Certified Broker – Avoid legal issues.
✅ Settle Any Mortgage Before Listing – Speeds up the sale process.
✅ Check Outstanding Service Charges – Developers may delay the NOC.
✅ Verify Buyer’s Financial Readiness – To avoid transaction delays.
✅ Subscribe to GoDubai Portal – Get access to exclusive property deals & legal support.

🔗 Subscribe to GoDubai Portal for expert property guidance.

Conclusion

Transferring property ownership in Dubai is a well-regulated and transparent process when the correct steps are followed. Whether you're buying, selling, gifting, or inheriting property, it’s crucial to understand DLD regulations, required fees, and legal documentation.

For a seamless and hassle-free property transfer, working with a trusted real estate broker or legal advisor is highly recommended.