The all-in cost is the price plus the transaction fees Dubai charges on every purchase. On an indicative AED 1.9M unit, those fees add roughly AED 81,000 to 121,000 on top of your down payment.
Transaction Costs at Booking (Estimate, on AED 1.9M)
|
Cost item
|
Rate
|
On AED 1.9M
|
Source
|
|
DLD registration fee
|
4%
|
AED 76,000
|
DLD records
|
|
DLD admin / trustee fee
|
Fixed
|
About AED 4,200
|
DLD records
|
|
Oqood off-plan registration
|
Admin
|
AED 1,000 to 3,000
|
RERA records, Estimate
|
|
Agency commission + 5% VAT
|
2% + VAT
|
About AED 39,900
|
Market standard
|
Source: DLD records and market standard, 2026. On many off-plan launches the developer pays the agency commission, so confirm whether the 2 percent applies to you before budgeting.
|
Total cash needed at booking (Estimate, AED 1.9M unit)
Down payment (20%): about AED 380,000
If developer pays the agency: about AED 461,000 all-in at booking
If you pay the agency: about AED 501,000 all-in at booking
Budget AED 81,000 to 121,000 above the down payment, on the same day
|
Annual Service Charge After Handover (Estimate)
Service charges start once you take possession and recur every year. Ellington-grade MBR City buildings run an estimated AED 15 to 22 per sq ft until the official Mollak rate is published.
|
Unit
|
Size (sq ft)
|
Estimated annual charge
|
|
1 bedroom
|
693
|
AED 10,400 to 15,250
|
|
3 bedroom
|
1,818
|
AED 27,300 to 40,000
|
Estimate, verify via Mollak once the building is registered. Based on comparable Ellington and MBR City buildings, 2026.
If You Finance the Handover Payment
Most buyers fund construction installments from cash, then finance the final 30 percent near handover. A mortgage adds its own one-time costs, paid at the financing stage, not at booking.
|
Mortgage cost
|
Rate
|
Source
|
|
Mortgage registration
|
0.25% of loan + AED 290
|
DLD records
|
|
Property valuation
|
About AED 2,625 to 3,675
|
Market standard
|
|
Bank arrangement fee
|
About 1% of loan + VAT
|
Market standard
|
Source: DLD records and market standard, 2026. Applies only if you finance, typically near the Q2 2030 handover, not during early construction.
The Golden Visa Threshold Nuance
A property at AED 2M or above qualifies the buyer for the 10-year UAE Golden Visa (UAE Government portal). The indicative AED 1.9M entry one bedroom falls just under that line, so only a higher one bedroom or a 2 to 3 bedroom unit would clear the threshold. The data shows buyers chasing the visa should size up, not buy the entry unit.