Your commission is 0% — the developer pays it. Photos, prices in US dollars, promotions with deadlines, payment plans and the honest downsides of every project — in one catalogue.
What developers offer right now and until when. Every promotion applies when you buy through us — your commission is 0%.
Prices are “from” prices in US dollars per developers’ data (rate 3.6725 AED/$). Last update 2 October 2026: Sobha, Danube and Beyond availability with unit counts (1–2 October), Imtiaz and Binghatti price lists, Dubai Holding starting prices, Emaar offers (25.09–01.10), Mr. Eight, CasaGrand, Ohana, Aldar price lists (3–21 September); Emaar Expo/Palace and DAMAC — per the dossier of 26.08.2026, fresh price list requested. The catalogue holds only projects whose developers sent data in the last month. Promotions are shown until the date stated by the developer. Current prices, availability and payment plans are confirmed by Assel before booking. The information is for reference and is not an offer.
What we have in each district and at what price, DLD price per sq ft, yields, schools, malls, clinics and the honest downsides.
Seven steps from choice to keys, all fees in one table, visa, a mortgage for the balance and rent — with no “we’ll sort it out later”. This is a reference, not an offer: exact figures for your project are given before booking.
| DLD registration feePaid by the buyer; some developers cover it in promotions (DLD waiver). In Abu Dhabi — 2% | 4% of price |
| Oqood registration and developer admin feesDepends on the developer | AED 1,000 – 3,150 |
| Agent’s commissionOn new builds the developer pays it | 0 |
| Title deed on handoverApartment or office | AED 580 |
| DEWA deposit (water and power)Refunded when you move out | AED 2,000 – 4,000 |
| Building service chargePer sq ft a year: 12–25 in mass-market districts, 25–40 in premium ones | AED 12 – 40 / sq ft |
| Developer’s NOC for resale before handoverUsually available after 30–40% is paid | AED 500 – 5,000 |
| TaxesNo property tax and no tax on rental income for individuals in the UAE; no VAT on residential property | 0 |
| If mortgaged: mortgage registration with DLDSee the “Mortgage” block | 0.25% + AED 290 |
| If mortgaged: valuation and bank fee | AED 2,500 – 3,500; 0.5–1% |
All of this is included in our support and does not change the developer’s price. Your commission — 0%
10-year Golden Visa — property from AED 2M (≈ $545K) by contract: ready or off-plan with Oqood registration, mortgaged properties included. Several properties in the same emirate can be combined; in joint ownership each share must be AED 2M or more. Family (spouse, children, parents) get a visa for the same term, with no minimum stay. Government fees per the DLD tariff — AED 9,885 per applicant; turnkey with our support, insurance and processing — about AED 12,600. Timing — 7–10 working days with personal attendance.
2-year investor visa — a ready property only, with the title deed in the applicant’s name; since 29 April 2026 there is no minimum value for a sole owner (in joint ownership a share from AED 400K). An off-plan property qualifies after handover. Government fees — about AED 10,545, renewal — AED 8,215.
Sources: DLD (Cube / Taskeen) and ICP tariffs and conditions for 2026; the investor visa changes of 29.04.2026. Rules change — we confirm them on the filing date.
During construction you pay the developer’s schedule, and the balance (usually 40–60%) on handover is covered by a mortgage on the ready property. UAE Central Bank limits: a resident’s first property up to AED 5M — up to 80% of valuation, above that — 65–70%; a second property — 60–65%; non-residents get 50–60% from banks. Term up to 25 years, age up to 65 at maturity, all loan payments no more than 50% of income. Rates in early 2026: fixed 3.5–4.25% for 1–3 years, then EIBOR (4.85% in March 2026) + 1–2%.
Banks working with property buyers, including non-residents:
LTV limits — UAE Central Bank; rates and fees — bank data for January–March 2026 (Oliva summary). Approval and the rate depend on the bank, income and property; the calculation is indicative.
We calculate rent from the district’s yield on actual deals (shown in each district card) and show it in the calculator: gross a year and a month, net after the service charge, and in three years at the chosen indexation. The official benchmark is the DLD Smart Rental Index in the Dubai REST app; it also sets how much a landlord may raise the rent.
What the data says: Property Monitor (December 2025) describes the market moving “from acceleration to absorption” — a record 215K deals in 2025 and 167K units launched, prices flat (−0.17% in a month). Cushman & Wakefield Core for Q2 2026: prices −4%, rents −6% versus the previous quarter, another 32K units expected in H2 2026. So the base case in the calculator is 0% rent indexation, the cautious case −5% a year for two years, the optimistic one +3%. Yield and growth are not guaranteed.
Sources for this section: Dubai Land Department (fees, Oqood, Cube/Taskeen), ICP, UAE Central Bank (LTV), Property Monitor (December 2025), Cushman & Wakefield Core (Q2 2026, Khaleej Times 09.08.2026), Oliva mortgage rate summaries (March 2026), Property Finder (Talay terms). Checked 2 October 2026.
How much you pay in total and when — including the DLD fee, registration and the service charge; what the rent will be and how many years payback takes if you count rent only and if you add price growth. This is a calculation, not a forecast or a guarantee. Your commission — 0%
DLD fee 4% and registration fees (indicative $1,400: trustee fee, Oqood, admin fees) — check current rates before the deal; in Abu Dhabi the fee is 2%. The service charge depends on the building: AED 12–25 per sq ft a year in mass-market districts, 25–40 in premium ones. Price growth is not guaranteed: by the 2026 indices Dubai prices are flat or falling, so the default is 3% a year.
The numbers we rely on and an honest picture of autumn 2026: after three years of growth the market has moved into a stabilisation phase.
A metro next to the home (Blue Line 2029), beach or water, ready infrastructure (schools, malls), limited new supply (Marina, the Palm, Dubai Hills), large government projects (DWC airport, Expo City), the developer’s reputation on resale.
Large volumes of simultaneous handovers in one district (JVC, Dubailand, Arjan), construction delays, high service charges, highway and industrial noise, holiday lets next door, buying “at the peak” with no price margin. In 2026 the market no longer grows 10–15% a year — budget for 0–5%.
Sources: Dubai Land Department (deals), Property Monitor (December 2025 report), Cushman & Wakefield Core (Q2 2026, Khaleej Times 09.08.2026), ValuStrat VPI, REIDIN, Bayut, RTA. The date is shown next to each figure.
The buyer loses nothing and gets help all the way from choice to keys.
On the primary market the developer pays the agent’s commission. The contract price does not depend on whether you came directly or through us. The one difference: through us you get support at no extra cost.
For every project we name both the pluses and the weak points: handover date, surroundings, area including balconies, extra fees. You decide with the full picture.
Rent alone takes a very long time to pay back an apartment in Dubai. We calculate rental income together with capital growth and show the risks, not promises.
Danube, DAMAC, Emaar, Binghatti, Sobha, Imtiaz, Beyond, Dubai Holding and Aldar. We compare projects by different developers for your goal and budget rather than selling one.
No. On new builds the developer pays the commission, and your price is the same as when buying directly. If the developer offers a discount or promotion, it applies when buying through us too.
So that you do not have to work through dozens of presentations yourself. We compare projects by different developers, talk about weak points, calculate payback and support the booking, contract, visa and bank account. For you it is free.
An EOI (expression of interest) is a pre-launch application with a refundable token (usually AED 50–100K). It gives you a queue to pick a unit on launch day; if nothing suits, the token is returned. A booking comes after launch: you fix a specific unit, pay a booking amount that counts towards the down payment, and receive the contract.
For an off-plan property the developer registers your contract with the Dubai Land Department — you receive an Oqood (pre-registration). After handover DLD issues the title deed — the ownership certificate in your name. Both documents are visible in the Dubai REST app. Foreigners own property in freehold zones indefinitely.
Usually the buyer pays the 4% DLD fee and registration fees, and later the service charge for building maintenance. Exact amounts depend on the project; we name them in advance, before booking. The table is in the investor guide.
Buyers’ money sits in the project’s escrow account under DLD/RERA control and is released to the developer by construction stage. The SPA sets the handover date, the permitted delay (usually 6–12 months) and penalties for exceeding it. If a project is cancelled, refunds go through escrow under DLD supervision. We look at the developer’s handover history and the real construction pace, not at renders.
Yes, by assignment with the developer’s permission (NOC). It is usually available after 30–40% of the price is paid, fee AED 500–5,000. The new buyer pays the 4% DLD fee again. In a falling market an assignment can go below the purchase price — the main risk of short speculation.
Yes: the booking and SPA are signed online or by power of attorney, payments go by SWIFT to the project’s escrow account in dirhams. The bank and the developer may ask for proof of source of funds. For the visa and Emirates ID a visit is needed — usually 7–10 days.
The UAE has no property tax and no tax on individuals’ rental income. No VAT is charged on the sale or rent of residential property (5% on commercial). An owner’s costs are the building service charge, insurance, a management company and, if any, mortgage interest. Taxes in your country of tax residence are a separate question worth checking with an adviser.
To non-residents — yes, usually up to 50–60% of a ready property’s value at Emirates NBD, Mashreq, ADIB and several other banks. Off-plan is financed less often and up to 50%; the typical route is to pay the developer’s schedule and cover the balance on handover with a mortgage. The calculation is in the “Mortgage” block.
The 10-year Golden Visa — when buying from AED 2M (ready or off-plan with Oqood, mortgage allowed), with family. The 2-year investor visa — on a ready property with a title deed, with no minimum value for a sole owner. The visa calculator and fees are in the investor guide.
They are other emirates with their own registrars: in Abu Dhabi the registration fee is 2% (instead of 4% in Dubai), the investor visa is processed through Abu Dhabi, and DLD statistics do not cover these areas. Travel to Dubai is 75–90 minutes from Saadiyat and 50–60 minutes from Umm Al Quwain. We note this in the district card.
Some developers include balconies and terraces in the “saleable area” — up to 30–40% of the total. That is why we compare price per sq ft on internal (suite) area and request a floor plan with a breakdown before booking.
Yes. Choosing commits you to nothing. If you need time to compare options or talk to your family, that is normal. We will send current figures at any moment.
No, and nobody can. The market can rise, stall or fall, handover dates can slip, tenants can be hard to find. That is why we show the risks next to the calculations.
Beyond apartments and villas we work with income-producing and corporate assets in the UAE and Central Asia: data centres, schools, warehouses, logistics, infrastructure. Below are anonymised teasers; names, documents and financial models are shared after an NDA / NCNDA is signed.
The information is preliminary and anonymised and is not an offer or investment advice. Share deals are structured with the parties’ lawyers. Dubai real-estate brokerage is carried out by ASSEL KUSSAINOVA REALTY L.L.C (DET licence 1459263), corporate and cross-border deals by KUSSAINOVA CROSS-BORDER ADVISORY FZE LLC.
If you would like to list your resale property on our website, send three things to Dana on WhatsApp — and we will add it to the Resale section the next day.
We publish the next day after receiving the materials.
Dana on WhatsApp: +971 50 152 6370Several developers, prices, payment plans, pros and cons. No pressure and no extra cost: the developer pays the commission.
