How to Register a Sale Associated With an Initial Mortgage in Dubai
Purchasing property in Dubai with mortgage financing requires registering a sale for an initial mortgage with the Dubai Land Department (DLD). This process ensures that the transaction is legally documented and protects the rights of all parties involved. This guide outlines the required documents, service terms, fees and step-by-step procedures to register a sale associated with an initial mortgage.
Process to Register a Sale Associated with an Initial Mortgage in Dubai
There are different types of mortgages in Dubai, each catering to different buyer needs. When registering a sale with an initial mortgage in Dubai, it is essential to follow key steps to ensure compliance with legal and financial regulations. Understanding the process helps both buyers and developers complete the transaction smoothly. Below is a step-by-step process to register a sale associated with an initial mortgage in Dubai.
Required Documents

Here is the list of documents required to register a sale associated with an initial mortgage in Dubai.
For Individuals
- A copy of the sale and purchase contract
- A valid UAE ID
- A valid passport (for non-residents)
- A letter from your bank in Dubai indicating the mortgage value and date, along with three mortgage contracts signed by both parties
For Companies
Depending on the type of company, the following documents are required for this DLD service:
Individual (One-Person Establishment)
- A valid trade licence
- A valid UAE ID or passport of the licence holder
- Power of attorney (if applicable)
Limited Liability Companies (LLC)
- A valid trade licence
- A valid UAE ID or passport of the licence holder
- Power of attorney (if applicable)
- Company’s Memorandum of Association (MOA) and annexes (translated into Arabic)
- Shareholder certificate
Foreign Companies
- A valid trade licence
- A valid UAE ID or passport of the licence holder
- Power of attorney (if applicable)
- MOA and annexes (translated into Arabic and attested by the Ministry of Foreign Affairs)
- No Objection Certificate (NOC) from free zones (valid for one year)
- Shareholder certificate
GCC Companies
- A valid trade licence
- Emirates ID or passport of the licence holder
- Power of attorney (if applicable)
- MOA and annexes (translated into Arabic and attested by the Ministry of Foreign Affairs)
- Shareholder certificate
Service Terms

The following service terms must be fulfilled to proceed:
- The sale and purchase contract must be signed by both the developer and the purchaser.
- If the purchaser is a minor, the contract must be signed by their legal guardian. The guardian’s passport or ID must be attached.
- The sale and purchase contract must be registered in the provisional register within 90 days of signing.
- If the purchaser holds a special decree status, a ‘To Whom It May Concern’ letter from the Federal Authority for Identity and Citizenship must be attached, along with an ID of another nationality.
- Foreign companies must be registered in a free zone, such as the Dubai Multi Commodities Center Authority (DMCC) or Jebel Ali Free Zone Authority (JAFZA).
Service Fees
Understanding the costs involved is crucial for both buyers and sellers to plan their transactions effectively. Below is a breakdown of the service fee to register a sale associated with an initial mortgage.
For the Seller
- 2% of the sale value
For the Purchaser
- 2% of the sale value
- AED 10 Knowledge fee
- AED 10 Innovation fee
- Title deed fee: AED 250 (for apartments, villas and land)
- Map fee: AED 250 (for a real estate unit or villa)
- AED 100 for a land map (for lands outside Dubai Municipality’s jurisdiction)
- AED 225 for a land plot map (unified with Dubai Municipality)
- Additional AED 10 each for Knowledge and Innovation fees
- Self-registration fee for developers: AED 1,000 (Oqood Portal – Real Estate Developers Portal)
- Mortgage fee: 0.25% of the mortgage value
Step-by-step Process to Register a Sale Associated with an Initial Mortgage in Dubai
The following steps outline the procedure for registering a sale associated with an initial mortgage in Dubai.
- Login to Oqood Portal: Access the Oqood portal and select the provisional sale registration with mortgage service.
- Enter Property Details: Fill in the necessary details, attach the required documents and select the payment method.
- Submit the Application: Complete the online submission.
- Receive Confirmation: The mortgage provisional registration certificate and e-map will be sent via email.
Payment Methods
Payments for the registration process can be made through Noqodi Wallet for a secure and seamless transaction experience. The registration process takes six business days.
FAQs
Can a foreign investor register a property purchase with a mortgage?
Yes, foreign investors can register their property purchase with a mortgage, provided they submit all required documents such as a valid passport and bank mortgage details.
What documents are required for an individual buyer to register a sale associated with an initial mortgage?
Individual buyers need a copy of the sale and purchase contract, a valid UAE ID, a valid passport for non-resident mortgages in Dubai and a bank letter confirming the mortgage details.
Can a minor purchase property with a mortgage?
Yes, but the sale and purchase contract must be signed by the legal guardian and their ID or passport must be provided.
Buying mortgage properties in Dubai is quite a hassle-free process. Registering a sale associated with an initial mortgage in Dubai is a crucial step in ensuring a legally documented and secure property transaction. Understanding the service terms, associated fees and payment methods helps stakeholders navigate the process smoothly. If you have any questions, refer to the Dubai Land Department for further assistance.
Also, explore this comparison of cash vs mortgage for buying a house to gain a detailed understanding of both options and make an informed decision.
If you’re looking for new projects for sale in Dubai, whether for investment or personal use, it’s essential to be well-informed about mortgage registration and legal requirements.
Keep up with the latest real estate trends, expert advice and market insights by exploring dubizzle’s property blog.