Seller Net Proceeds
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Sellers in Dubai typically pay: NOC fee (AED 500–5,000 depending on developer), outstanding service charges (if any), and mortgage early settlement penalty if breaking a fixed-rate period (up to 3% of outstanding balance). The 4% DLD transfer fee is borne by the buyer. If the seller agrees to pay agent commission, that’s an additional 2% + VAT. Many Dubai property sales cost sellers less than 1–2% of the sale price in total fees.

No. The UAE imposes no capital gains tax on property sales for individual investors. Any profit made on the sale of Dubai property — whether AED 100,000 or AED 10 million — is entirely tax-free from a UAE perspective. This is one of the key advantages of Dubai property ownership. Note: if you are a tax resident in another country, you may have CGT obligations in that country. Consult a qualified tax advisor for your specific situation.

An NOC (No Objection Certificate) from the developer confirms that: all service charges are up to date, there are no outstanding dues on the property, and the developer has no objection to the transfer of title. It is required by the DLD before any title transfer can take place. The seller obtains the NOC from their building’s developer or community management company, typically paying a fee of AED 500–5,000 plus any outstanding service charge arrears.

The UAE Central Bank caps early mortgage settlement penalties at 3% of the outstanding loan balance or AED 10,000, whichever is lower. For example, with an outstanding balance of AED 800,000, the maximum penalty is AED 10,000 (as 3% = AED 24,000, which is higher than AED 10,000). Always check your specific mortgage agreement for the exact penalty terms, as some banks charge less than the maximum. Settlement penalties may not apply after the initial fixed-rate period ends.