Can You Mortgage Property in JAFZA?
Businesses in Jebel Ali Free Zone (JAFZA) can mortgage company assets to secure financing from the lenders. Depending on the type of mortgage, businesses can use their real estate, commercial or shares as collateral. Understanding the types of mortgages available and their requirements helps businesses to prepare in advance and complete the process efficiently.
Building Mortgage
In a building mortgage, companies can use eligible assets to secure financing. Businesses in JAFZA can apply for a new mortgage, amend the existing one or cancel the registration through the following process.
- Step 1: Log in to the ‘Dubai Trade Portal’
- Step 2: Navigate to ‘Registration’ and select ‘Mortgage or Pledge- Approval’
- Step 3: Select ‘New Building Mortgage’, ‘Change Building Mortgage’ or ‘Cancellation of Mortgage’
- Step 4: Submit the required documents
- Step 5: Pay the fee and submit the application
Documents Required for Building Mortgage
The documents required for a property mortgage in JAFZA depend on whether the application is for registering a new mortgage, amending an existing one or cancelling the mortgage.

Documents for New Building Mortgage
The documents required for a new building mortgage are as follows:
- Resolution from the company written on Free Zone Establishment (FZE) or Free Zone Company (FZCO) letterhead mentioning Building Mortgage
- Mortgage contract and building mortgage application
- Certificate of completion (75% complete) from Trakhees
- Bank letter signed by Power of Attorney (POA)
- Covenant for assignment from the bank
- Bank and the company’s POA
- A passport copy of the company’s POA
- Building evaluation report
- Bank licence copy
Documents for Amending Building Mortgage
For amending a building mortgage, businesses must submit the following documents:
- Resolution regarding amendment written on FZE’s/FZCO’s letterhead and signed by authorised signatory
- Application to amend the building mortgage to be signed before the JAFZA registrar
- Bank and company’s POA (notarised and attested)
- POA’s passport copy
- Original mortgage certificate
- Request letter from the bank and company, signed by the POA holders
Documents for Cancelling Building Mortgage
Documents required to cancel a building mortgage in JAFZA include:
- Application to release building mortgage to be signed before the JAFZA registrar
- Bank and company’s POA (notarised and attested)
- POA’s passport copy
- Original mortgage certificate
- Request letter from the bank and company, signed by the POA holders
Service Fee for Business Mortgage in JAFZA
The service fee to amend an existing business mortgage or request a new one in JAFZA is 0.12% of the total mortgage value. Along with this, the businesses are subjected to the following charges:
- AED 200 for a mortgage certificate
- AED 50 (each) for specimen signature
- AED 10 courier fee for addresses within the free zone and AED 20 for addresses outside the free zone
For the cancellation of a business mortgage, only AED 500 is charged for the release of the mortgage letter.
Commercial Business Mortgage
Another type of mortgage that companies can avail of in JAFZA is a commercial business mortgage. The process to apply for the commercial business mortgage includes:
- Step 1: Log in to ‘Dubai Trade Portal’
- Step 2: Navigate to ‘Registration’ and select ‘Mortgage or Pledge- Approval’
- Step 3: Select ‘New Commercial Mortgage’, ‘Change Commercial Mortgage’ or ‘Cancellation of Commercial Mortgage’
- Step 4: Submit the required documents and pay the fee
Documents Required for Commercial Business Mortgage
The documents required for a commercial business mortgage in JAFZA depend on whether the application is for requesting a new mortgage, amending an existing one or cancelling the mortgage.

Documents for New Commercial Mortgage
For a new commercial mortgage in JAFZA, businesses are required to submit the following documents:
- Resolution from the company written on FZE’s/FZCO’s letterhead, mentioning the commercial mortgage
- New commercial business mortgage application (to be signed in JAFZA)
- Bank and the company’s POA
- Passport copy of the company’s POA
- Mortgage facility contract, including a list of machinery notarised by the Dubai Court
- Bank letter regarding commercial mortgage
- Bank licence copy
Documents for Amending Commercial Mortgage
The documents required to amend a commercial mortgage are as follows:
- Application to amend the commercial business loan to be signed by the authorised signatory in JAFZA
- Letter from the bank to be signed by the POA
- Mortgage facility contract, including a list of machinery notarised by the Dubai Court
- Bank and the company’s POA
- A passport copy of the company’s POA, notarised and attested by the bank
- Bank and company’s POA (notarised and attested)
- POA’s passport copy
- Original commercial mortgage certificate
Documents for Cancelling Commercial Mortgage
Documents required to cancel a commercial mortgage in JAFZA include:
- Application to release commercial business mortgage to be signed before the JAFZA Registrar
- Bank and the company’s POA
- A passport copy of the company’s POA, notarised and attested by the bank
- Original commercial mortgage certificate
- Request letter from the bank signed by the POA holders
- Request letter from the bank signed by the POA holders’ signatory
Service Fee for Commercial Mortgage in JAFZA
The service fee to apply for a new commercial mortgage, amend an existing one and cancel a mortgage is different.
- New Mortgage: AED 200 for mortgage certificate, AED 500 for commercial mortgages and AED 50/each for specimen signature – a total of AED 750.
- Amend: AED 200 for issuing NOC letter to court, AED 500 mortgage fees, AED 200 for commercial mortgage and AED 50/each for specimen signature – a total of AED 950
- Cancel: AED 200 is charged for the release letter.
FAQs
Can you mortgage property in JAFZA?
Yes, businesses in JAFZA can mortgage eligible company assets to secure financing from lenders. The mortgage must be registered, amended or cancelled through the required JAFZA process.
What types of properties can be mortgaged in JAFZA?
As per Jebel Ali Free Zone mortgage laws, businesses can secure financing against eligible assets such as buildings, commercial assets and shares, depending on the mortgage type and application requirements.
Can land be mortgaged in JAFZA?
JAFZA – one of the largest free zones in Dubai, offers mortgage services for buildings, commercial assets and shares.
This is all about the mortgage in JAFZA, including the required documents and service fees. The mortgage facility allows businesses to use eligible assets as collateral to secure financing for expansion and operational upgrades. The finances can also be used to buy properties in Dubai and other emirates for the company’s expansion.
Stay tuned to dubizzle’s property blog to learn more about free zone property investment in Dubai.