Yesterday we talked about entry level
Today - real numbers 👌
Let’s calculate what buying a 1,000,000 AED apartment in Dubai actually requires
No theory. Just structure 💫
Step 1 - Down payment
If you’re buying with mortgage:
Down payment: 20–25%
for this example we’ll use 25%
1,000,000 AED × 25% = 250,000 AED
This is your first cash component
Step 2 - Dubai Land Department (DLD) fee
Mandatory government registration:
4% of property value
1,000,000 AED × 4% = 40,000 AED
This is paid to register ownership officially
No exceptions
Step 3 - Agency commission
Standard purchase commission in Dubai:
2% + VAT
1,000,000 AED × 2% = 21,000 AED including VAT
This covers negotiation, coordination, contracts (Form A, B, F) and transfer support
Step 4 — Trustee & admin fees
Additional transaction costs:
- Trustee office
- Admin paperwork
- Mortgage registration fee 0.25%
Estimated range: 7,500 AED
Total initial cash required
Down payment: 250,000 AED
DLD fee: 40,000 AED
Agency: 21,000 AED
Trustee/admin: 7,500 AED
Total: 318,500 AED
This is why realistic investment entry often starts around 300–350k AED for a 1M property
What investors often forget
Beyond transaction costs, consider:
- Annual service charges
- Vacancy buffer
- Bank valuation differences
- Furnishing (if buying for rental)
Buying property in Dubai is safe when structured correctly
it becomes risky only when numbers are not calculated properly
in part 3, we’ll cover hidden costs investors overlook
for English-speaking investors, we provide full transaction support in Dubai
Для русскоговорящих инвесторов: мы сопровождаем сделки покупки, продажи и долгосрочной аренды недвижимости в Дубае на русском языке и контролируем процесс от подбора до передачи собственности.
