Free · interactive · for every agent in Dubai
I Teach You: a free DLD fee calculator and tools for Dubai real estate agents — I teach you.
Dr. Salman Bin Ali believes in teaching. He learned this business the hard way — no network, a long wait for the first client, 15-hour days. Everything he had to learn alone is here, for free, so you don’t have to.
Tool 01 of 5
Walk a resale deal: Form A to title deed
Pick the deal type — cash or mortgage on each side — and click through every step from Form A to the title deed.
Cash → Cash · Step 1 of 6 · Form A
The seller signs
The listing agreement between the seller and your brokerage: price, duration, commission and marketing terms. Verify the title deed and the seller’s identity first. Then use Form A to get the advertising permit from Trakheesi (DLD’s permit system) and its Madmoun QR code, which lets buyers check the advert. No Form A, no permit; no permit, no advert. If another brokerage brings the buyer, sign Form I (the agreement that splits the commission) before the viewing.
Seller → buyer. A typical order for teaching; the exact steps and timing vary by bank and developer. DLD = Dubai Land Department, the government office that registers every sale. More in lesson 05 of the Agent Guide.
Read every step, for all four deal types
Cash → Cash Seller owns it outright · buyer pays cash
- Form A · The seller signs The listing agreement between the seller and your brokerage: price, duration, commission and marketing terms. Verify the title deed and the seller’s identity first. Then use Form A to get the advertising permit from Trakheesi (DLD’s permit system) and its Madmoun QR code, which lets buyers check the advert. No Form A, no permit; no permit, no advert. If another brokerage brings the buyer, sign Form I (the agreement that splits the commission) before the viewing.
- Form B · The buyer signs The buyer–broker agreement: what they want, what you will do, and the commission. Then viewings, then a written offer.
- Form F · The deal is agreed The MOU (memorandum of understanding) between buyer and seller: price, deposit, completion date and conditions. The buyer gives a security deposit, usually a 10% cheque, which the brokerage holds until transfer. If the buyer pulls out without a valid reason, the seller can keep it; if the seller pulls out, the deposit is returned and the seller pays the buyer the same amount again. Never sign it half-filled.
- NOC · The developer clears it The seller applies for the developer’s No Objection Certificate, confirming service charges are paid. Each developer sets its own fee and timing.
- Transfer · Transfer day Both parties meet at a Registration Trustee office (a DLD-approved centre where transfers are done) with their Emirates ID or passport and the NOC. The buyer brings manager’s cheques (cheques guaranteed by the bank) for the full price and the DLD and trustee fees; the deposit cheque is returned. The seller hands over the keys and access cards.
- Title deed · The new title deed DLD issues the title deed in the buyer’s name and your commission is earned. The fastest kind of deal.
Mortgage → Cash Seller still has a mortgage · buyer pays cash
- Form A · The seller signs The listing agreement between the seller and your brokerage: price, duration, commission and marketing terms. Verify the title deed and the seller’s identity first. Then use Form A to get the advertising permit from Trakheesi (DLD’s permit system) and its Madmoun QR code, which lets buyers check the advert. No Form A, no permit; no permit, no advert. If another brokerage brings the buyer, sign Form I (the agreement that splits the commission) before the viewing. Ask the seller for a liability letter from their bank showing the exact amount still owed.
- Form B · The buyer signs The buyer–broker agreement: what they want, what you will do, and the commission. Then viewings, then a written offer.
- Form F · The deal is agreed The MOU (memorandum of understanding) between buyer and seller: price, deposit, completion date and conditions. The buyer gives a security deposit, usually a 10% cheque, which the brokerage holds until transfer. If the buyer pulls out without a valid reason, the seller can keep it; if the seller pulls out, the deposit is returned and the seller pays the buyer the same amount again. Never sign it half-filled. The MOU should state that part of the price goes to the seller’s bank to clear the loan.
- NOC · The developer clears it The seller applies for the developer’s No Objection Certificate, confirming service charges are paid. Each developer sets its own fee and timing.
- Block & pay · Block the property, clear the loan With Form F and the NOC, both parties go to a trustee office. DLD’s “Registering the Sale of a Mortgaged Property” service blocks the unit so the seller cannot sell it to anyone else. Only then does the buyer give the seller’s bank a manager’s cheque for the amount in the liability letter, and the bank issues a release (clearance) letter. Never let a buyer pay a seller’s bank before the block is registered.
- Transfer · Release and transfer Both parties return to the trustee office with the bank’s release letter. The mortgage is released, the seller receives the rest of the price by manager’s cheque, and DLD issues the new title deed in the buyer’s name.
Cash → Mortgage Seller owns it outright · buyer uses a mortgage
- Form A · The seller signs The listing agreement between the seller and your brokerage: price, duration, commission and marketing terms. Verify the title deed and the seller’s identity first. Then use Form A to get the advertising permit from Trakheesi (DLD’s permit system) and its Madmoun QR code, which lets buyers check the advert. No Form A, no permit; no permit, no advert. If another brokerage brings the buyer, sign Form I (the agreement that splits the commission) before the viewing.
- Form B · The buyer signs The buyer–broker agreement: what they want, what you will do, and the commission. Then viewings, then a written offer. Make sure the buyer already has a mortgage pre-approval — it saves everyone’s time.
- Form F · The deal is agreed The MOU (memorandum of understanding) between buyer and seller: price, deposit, completion date and conditions. The buyer gives a security deposit, usually a 10% cheque, which the brokerage holds until transfer. If the buyer pulls out without a valid reason, the seller can keep it; if the seller pulls out, the deposit is returned and the seller pays the buyer the same amount again. Never sign it half-filled. Agree a completion date that allows for the bank’s valuation and approval, and add a mortgage condition: if the bank declines, the MOU is cancelled and the deposit returned.
- Buyer’s bank · Valuation and final offer The buyer’s bank values the property and issues the final offer letter. The buyer covers the down payment and fees; if the valuation comes in low, the buyer pays the gap.
- NOC · The developer clears it The seller applies for the developer’s No Objection Certificate, confirming service charges are paid. Each developer sets its own fee and timing. The buyer’s bank then books the trustee appointment.
- Transfer · The bank pays the seller At the trustee office, the buyer’s bank pays the loan amount to the seller by manager’s cheque, and the buyer pays the down payment by manager’s cheque. The mortgage is registered (0.25% of the loan plus an admin fee) and DLD issues the title deed.
Mortgage → Mortgage Seller has a mortgage · buyer uses a mortgage
- Form A · The seller signs The listing agreement between the seller and your brokerage: price, duration, commission and marketing terms. Verify the title deed and the seller’s identity first. Then use Form A to get the advertising permit from Trakheesi (DLD’s permit system) and its Madmoun QR code, which lets buyers check the advert. No Form A, no permit; no permit, no advert. If another brokerage brings the buyer, sign Form I (the agreement that splits the commission) before the viewing. Get the seller’s liability letter from their bank early.
- Form B · The buyer signs The buyer–broker agreement: what they want, what you will do, and the commission. Then viewings, then a written offer. Confirm the buyer’s mortgage pre-approval before viewings get serious.
- Form F · The deal is agreed The MOU (memorandum of understanding) between buyer and seller: price, deposit, completion date and conditions. The buyer gives a security deposit, usually a 10% cheque, which the brokerage holds until transfer. If the buyer pulls out without a valid reason, the seller can keep it; if the seller pulls out, the deposit is returned and the seller pays the buyer the same amount again. Never sign it half-filled. Add a mortgage condition: if the buyer’s bank declines, the MOU is cancelled and the deposit returned.
- NOC · The developer clears it The seller applies for the developer’s No Objection Certificate, confirming service charges are paid. Each developer sets its own fee and timing.
- Two banks · Two banks, one timeline The buyer’s bank values the property and issues its final offer. The seller requests a liability letter addressed to the buyer’s bank. The buyer’s bank pays the seller’s loan by manager’s cheque, and the buyer covers any shortfall. The seller’s bank then releases the clearance letter and original documents, which can take one to four weeks. Keep both banks on the same timeline.
- Transfer · Release, register, transfer At the trustee office the seller’s mortgage is released, the buyer’s mortgage is registered, the balance reaches the seller and DLD issues the title deed. The most moving parts — and the deal that shows a strong agent.
Tool 02 of 5
Price the paperwork: DLD fee calculator
Your buyer will ask what it really costs. Move the sliders to price the DLD transfer fee, trustee office fee, commission and mortgage registration in seconds.
Fees on top of the priceAED 187,780
Total cash the buyer needsAED 3,187,780
An estimate for teaching, based on reported DLD fees: 4% transfer, AED 580 admin, and a trustee office fee of AED 4,200 (ready) or AED 5,250 (off-plan), VAT included. The title deed (about AED 250), mortgage admin, bank valuation and developer NOC fees are extra and vary. By custom, the buyer pays the fees above; the seller pays the NOC and any mortgage release and early settlement fees. Always check the current DLD schedule before quoting a client. The full resale process is in lesson 04 of the Agent Guide.
The DLD transfer fee, explained
When a Dubai property changes hands, the Dubai Land Department registers the sale and charges a transfer fee. This is what is paid at transfer, and who pays it.
- Transfer fee: 4% of the price
- Charged by DLD on the purchase price when the sale is registered.
- Admin fee: AED 580
- A fixed DLD fee on the same transfer.
- Trustee office fee: AED 4,200 ready, AED 5,250 off-plan
- Paid to the Registration Trustee office that completes the transfer, VAT included.
- Title deed: about AED 250
- The new title deed, issued in the buyer’s name.
- Who pays what
- By custom, the buyer pays the fees above; the seller pays the developer NOC and any mortgage release and early settlement fees.
Worked example. A AED 3,000,000 ready apartment bought in cash: transfer fee AED 120,000, admin fee AED 580, trustee office fee AED 4,200 and title deed about AED 250. That is about AED 125,030 on top of the price, before the agency commission.
Rules and fees change: always check the current DLD schedule before quoting a client.
Tool 03 of 5
Turn a goal into a day
How much can a Dubai agent earn? Pick the income you want and see the deals, viewings and conversations it actually takes.
You earn about AED 25,000 per deal.
- 3,600conversations a year75 a week · 15 a working day
- 240viewings a year5.0 a week
- 24deals a year2.0 a month
Enter your own numbers — the last two sliders are your personal conversion rates. Track them for a month and this planner becomes your daily target. It assumes 48 working weeks of 5 days; per-deal income excludes VAT and counts one side’s commission only.
Tool 04 of 5
Are you deal-ready?
Ten practice questions on DLD forms, fees, permits and AML that every Dubai agent should answer without thinking.
Which DLD form is the listing agreement between a seller and a brokerage?
All 10 questions, with answers and explanations
Which DLD form is the listing agreement between a seller and a brokerage?
Answer: Form A
Form A is the listing agreement. Without it, you cannot advertise the property. More in lesson 04.
What is Form F?
Answer: The MOU — the sale contract between buyer and seller
Form F, often called the MOU (memorandum of understanding), sets the price, deposit, completion date and conditions of the sale. More in lesson 04.
Two brokerages share a deal — one has the listing, one brings the buyer. Which form splits the commission?
Answer: Form I
Form I is the agreement between brokerages. Form U is used to cancel an agreement. More in lesson 04.
What is the DLD transfer fee on a resale?
Answer: 4% of the price
The DLD transfer fee is 4% of the purchase price. Customarily the buyer pays it, though the parties can agree otherwise. More in lesson 04.
Before you publish any property advert in Dubai you need…
Answer: A Trakheesi advertising permit
Every property advert needs a Trakheesi permit issued through DLD. Ads also carry a Madmoun QR code so buyers can verify them. More in lesson 06.
Who issues the No Objection Certificate (NOC) on a resale?
Answer: The developer
The developer issues the NOC, confirming service charges are paid and it has no objection to the sale. More in lesson 04.
A buyer wants to pay AED 60,000 of the price in cash. What must you think about first?
Answer: Your AML reporting duties
Brokers must file a Real Estate Activity Report (REAR) through goAML, the UAE’s official reporting system, for any freehold deal where AED 55,000 or more is paid in cash. This counts the total, even if it is split into smaller payments. The same report is needed if any virtual assets, such as crypto, are used. It applies even when nothing looks suspicious. Know your client, keep the records. More in lesson 07.
On an off-plan purchase, where must the buyer’s payments go?
Answer: To the developer’s project escrow account
Dubai law requires off-plan payments to go into the project’s escrow account, a protected bank account whose money can only be used to build that project. Off-plan sales are registered on DLD’s interim register (Oqood). More in lesson 20.
When is your commission actually earned?
Answer: When the deal concludes under a written agreement
Your right to commission comes from a written brokerage agreement and is earned when the deal concludes. No signed form, no secure commission. More in lesson 12.
Where do you check that a broker or brokerage is registered?
Answer: DLD’s Dubai REST app
DLD’s Dubai REST app lists registered brokers and real estate offices. Clients can — and do — check you.
Tool 05 of 5
Win the conversation
The six things clients say most. Flip each card for the answer.
Next lesson: the real thing
Learn it here. Live it at CBA.
Twelve agents at CBA closed 217 deals worth AED 974.6 million in a year (Gulf Today). CBA hired, trained and backed them — the same way this page teaches.