Frequently Asked Questions

SALES PROGRESSION INFORMATION


1. Finance Buyer to Finance Seller

a. Buyer to obtain pre-approval

b. Sale agreement signed between the buyer and the seller

c. Valuation instructed on property

d. Valuation report received from the bank

e. Seller to apply for liability letter

f. Liability letter received

g. Final offer letter issued by the buyer’s bank

h. Final offer letter signed by the buyer

i. Buyer’s bank & buyer to settle the mortgage

j. Seller’s bank release clearance documents to the buyer’s bank

k. NOC applied for with the developer

l. NOC issued

m. Transfer booked with the buyer’s bank

n. Statement of payments to be prepared and issued

o. Transfer at Transfer Office

2. Finance Buyer to Cash Seller

a. Buyer to obtain pre-approval

b. Agreement of sale signed between the buyer and the seller

c. Valuation instructed on property

d. Valuation report received from the bank

e. Final offer letter issued by the buyer’s bank

f. Final offer letter signed by the buyer

g. NOC applied for with the developer

h. NOC issued

i. Transfer booked with the buyer’s bank

j. Statement of payments to be prepared and issued

k. Transfer at Transfer Office

3. Cash Buyer to Finance Seller

a. Agreement of sale signed between the buyer and the seller

b. Seller to apply for the liability letter – Statement of Accounts to be prepared and issued

c. Liability Letter received

d. Block property at Transfer Office – All Managers Cheques to be present including Land Department Fees

e. Once property is successfully blocked, Buyer to settle Seller’s mortgage

f. Sellers bank releases clearance documents to the agency

g. NOC Applied for with the Developer

h. NOC issued

i. Transfer time booked

j. Transfer at Transfer Office

4. Cash Buyer to Cash Seller

a. Agreement of sale signed between the buyer and the seller

b. NOC applied for with the developer

c. NOC issued

d. Transfer booked

e. Statement of payments to be prepared and issued

f. Transfer at Transfer Office

DOCUMENTS REQUIRED AT APPOINTMENTS


1. NOC Appointment

a. Buyers and sellers to be present

b. Buyer and seller - original passport with visas

c. Buyer - original final offer letter (finance buyer only)

d. Seller - original title deed/oqood/ownership document (agency or buyer’s bank will bring this if a finance seller)

e. Seller - clearance documents from the seller’s finance company

f. Transfer Appointment

2. Buyer

a. Passport with visa

b. Final offer letter

c. Managers cheques/cash/personal cheque payments

3. Seller

a. Passport with visa

b. Clearance documents

c. Original NOC

d. Original title deed

OBTAINING AN EXPAT MORTGAGE IN DUBAI


  • Typically, you need to living in Dubai for 6 months before being able to get an expat mortgage.
  • You need to be a confirmed employee.
  • Mortgages can be obtained for a maximum tenure of 25 years up to the age of 65.
  • Mortgages are capped at 75% lending on a purchase price of AED 4,999,999 and 65% lending AED 5,000,000 and above on your first home. Maximum 60% lending allowed on any subsequent properties purchased.

INVESTOR VISA


By investing in the UAE’s real estate market you get an opportunity to apply for an investor visa.

To be eligible for a UAE Investor Visa you must meet the following requirements:

  • Own a property in Dubai worth AED 1,000,000 or more. This must be the price at which the property was originally purchased, not the current market value.
  • Your property must be free from all liabilities, including mortgage, service charges, developer fees, and utilities.

To apply for your Investor Visa the process is as follows:

  • You must firstly obtain a Police Good Conduct Certificate, applied for through Dubai Police.
  • Settle any liabilities due on the property and have documented proof. Receipts for service charge payment, up to date DEWA & utility bills, and proof there is no mortgage on the property either with a clearance letter from the bank if you had a mortgage or your original title deed.
  • Once you have the above, you’ll need to visit the Dubai Land Department with your title deed, original passport, passport copy, a passport size photograph and AED410 processing fees. *
  • Dubai Land Department will take up to 1 month to issue the approval certificate, which will allow the property owner to apply for a trade license.
  • The approval certificate can be presented to the Department of Economic Development who will issue you your trade license at a cost of AED2,000* per year.
  • On receipt of the trade license you can approach Immigration Counters at the Dubai Land Department who will issue the two-year investor visa. The cost of the visa is approx. AED 18,000* and AED 1,300* per person thereafter.
  • To obtain the visa you will need to complete the necessary medical examinations and provide the medical report to the Immigration Counter.

Please note the following:

  • If your property has a mortgage you cannot get an investor visa.
  • You can apply for more than 1 visa against the property once you obtain the trade license. However, it has to be applicable to the property. i.e. a family of 5 cannot be sponsored by a 1-bedroom
  • property.

GIFTING A PROPERTY


As per rule you can gift your property to any first degree relative (spouse, parent, or child).

To do this you need the following documents:

  • Original ID (Passport with Visa)
  • Original Title Deed
  • Original Valuation Report from Dubai Land Department
  • Birth Certificate/Marriage Certificate translated and attested
  • Managers Cheque to Dubai Land Department

The process is as follows:

  • Request a valuation report from Dubai Land Department for your property (AED 1,000-AED4,000)
  • Prepare a Managers Cheque for 0.125% of the valuation report amount payable to Dubai Land Department
  • The named persons on the title deed will need to visit the Transfer Office with above documents
  • New title deed will be issued in the gifted person’s name

Please note the following requirements:

  • Property must be free from any loans or liabilities including mortgages.
  • Can only be the transferred to first degree relatives.

GET A DUBAI VISIT, TOURIST OR TRANSIT VISA


Criteria:

Visit visas for immediate family members can be obtained by residents (called sponsors), whose monthly salary is not less than AED 4000 or AED 3000 + accommodation.

You can also obtain a tourist visa for other family members and friends through travel agencies, airlines or hotels. Costs vary from AED 170 for a 4 day transit visa (which you can get directly at the UAE airports), to AED 350 for a 14 day transit visa, to AED 1200 for 30 day tourist visa, to AED 1700 for 90 day tourist visa and AED 2500 for a 90 day multiple entry tourist visa. Please check with the concerned airline, hotel or travel agency for this.

Extensions for all visas are now possible for an additional 30 days without exiting the country on payment of 570 per visa, before the expiry date of the original visa.

Validity of visit visa for immediate family members:

Short term visa: 30 days

Long term visa: 90 days

Extensions for an additional 30 days are possible without exiting the country on payment of 570 per visa, before the expiry date of the original visa.

Fees

Short term visa: AED 400 application fee + typing fees

Long term visa: AED 790 application fee+ typing fees.

A deposit of AED 1020 has to be paid for both type of visas, which can be reimbursed after your relative has left the country.

Documents Required:
  • Typed Application form
  • A copy of the sponsor’s passport & family member's passport
  • 1 photo of the family member (may be required)
  • Marriage contract attested from Ministry of Foreign Affairs or UAE Embassy (for sponsoring a wife or husband)
  • Attested birth certificates (for sponsoring children)
  • Relationship proof attested from the Embassy (in case relationship cannot be proved from family names in sponsor and relative's passport)
  • Attested work contract if the sponsor is working in a private company or a salary certificate if working in government.
  • Traveller Insurance.
Procedure:
  1. Go to any authorized typing office & get application form typed.
  2. Go to DNRD & submit along with your documents to Visa Section.
  3. Send either original or copy to your relative. If only copy was sent, then deposit original at the airport or the DNATA counter at DNRD. It is advisable to deposit visa giving sufficient time for flight to land. It is also the responsibility of the sponsor to ensure all travel arrangements are made for your relative, including the 'Ok to board' that may be required by some airlines.

For more information, visit DNRD website or call their friendly Amer Toll free service on 800-5111

GET A DUBAI RESIDENCY VISA FOR YOUR FAMILY


Please note that this guide is applicable only for residents.

If your family members (usually wife and children) are outside the UAE, you must first apply for an entry residence visa and after they arrive, you have up to 30 days to apply for the residence stamp.

Criteria:

Your monthly salary should not be less than AED 4000 or AED 3000 + accommodation. If you want to sponsor a residence visa for your parents, your minimum monthly salary should be AED 10,000. See residence visa for parents separately.

Documents Required:
  • Typed Application form
  • Salary certificate (for government employee) or attested work contract (other employees)
  • 3 months bank statement for long-time residents. New residents can submit 1 month bank statement or bank letter confirming salary transfer.
  • Attested tenancy contract, Emirates ID card and labour card
  • Marriage certificate that has been attested by UAE authorities (for UAE marriages) or in your home country for spouse sponsorship
  • Passports (original) and copies of both sponsor and family member/s
  • Medical check-up report of spouse or children over 15 years of age from authorized hospital/clinic
  • 3 passport photos of family member
Fees:
  • AED 310 Application fee + typing fees per family member
  • AED 15 Empost label (Optional)
Procedure:
  • Ensure that you take your spouse/child over 15 for a health check-up and obtain a Medical Certificate.
  • Go to any authorized typing office & get application form typed and pay the fees.
  • Go to GDRFA and submit application form, along with supporting documents to receive the residence visa stamp on your family member's passport.

Please Note: For your family member's residence visa to remain valid, he/she must not be out of the UAE for more than 6 months. In case a Muslim expatriate has married more than one wife, he can only obtain one residency visa.

For more information, visit GDRFA or call their friendly Amer Toll free service on 800-5111

GET AN EMPLOYMENT ENTRY PERMIT FOR PRIVATE COMPANIES


Private companies can obtain new employment entry permits for their employees, provided that they apply for residence visa status within 30 days from the employee’s entry into the UAE.

Procedures:

The private company’s representative should submit the employee’s work permit issued by the Ministry of Labour and submit it to the General Directorate of Residency and Foreigners Affairs - Dubai (DNRD) with an employment entry permit from a typing office attached to the required documents. The employee entry permit will be given to the company representative immediately.

The transaction can be done by submitting to the competent official at the Entry Permits Section of any of the below mentioned centres:

The service is available at:

A'amal Center- Hyatt Regency

DNRD Headquarters Residence Section

Abu Hail center

Jebel Ali Port

Hatta Center

Bin Sooqat Center

DNATA Main branch

Required documents:
  • Trade licence.
  • Establishment card.
  • Passport copy.
Fees:

AED 200 per employment entry permit.

N.B.

If a company has been fined for committing violations related to the sponsorship of employees, the company is allowed to obtain a new employment entry permit only after rectifying its situation.

It is also the responsibility of the employer to ensure all travel arrangements are made for the new employee, including the 'Ok to board' that may be required by some airlines.

GET AN EMPLOYMENT ENTRY PERMIT FOR GOVERNMENT ENTITIES


Government and semi-government corporations can obtain new employment entry permits for their employees Provided they apply for residence visa status within 30 days from the employee’s entry into the UAE.

Procedures:

The government representative should obtain and fill an application form from a typing office and submit at the General Directorate of Residency and Foreigners Affairs - Dubai (DNRD) along with fees and attached documents.

Required documents:
  • - Establishment card.
  • - Sponsored person’s passport copy.
Fees:
  • - AED 100 for an ordinary application form.
  • - AED 210 for an urgent application form (optional).

KNOW MORE ABOUT WORK PERMITS AND CONTRACTS


How is a work permit obtained?

  1. In order for an expatriate employee to obtain a work permit, he/she should be sponsored by a licensed establishment registered with the Ministry of Labour.
  2. The work permit is issued by the Ministry of Labour according to specific conditions and the employee must fulfil the following conditions:
  1. The employee should be no less than 18 years of age and no older than 60 years.
  2. The employee should master a profession or hold academic qualifications that are needed in the country.
  3. The employee should have a passport valid for no less than 6 months.
  4. The employee should be physically fit and not have any communicable diseases.
Employment Contracts and Labour Cards

A. Employment Contracts:

After arriving in the country, an employee should be in possession of an employment contract with the establishment that he/she will work for. This contract should be drawn up in Arabic but may be drawn up in English as well.

The employment contract should be drawn up in 3 copies, one to be given to the employee, another to the employer and a third to be kept with the concerned labour department.

The employee should make sure he/she has obtained his/her copy of the employment contract, which should be kept throughout his/her work with the establishment.

The employment contract should particularly show the date of its conclusion, date of commencement of work, type of work, worksite, period of the contract if it is for a definite period and the pay.

The employment contract should be reviewed and attested by the competent labour department.

B. Labour Cards:

The employer should obtain a labour card for the recruited employee within 60 days from the date of arrival of the recruited employee in the country. In case no labour contract has been obtained, the employer will be accountable to the penalties incurred in this connection.The employee’s work in this case will be in violation of the law and the decisions governing the employment of non-nationals. It is recommended in these circumstances that the employees notify the competent labour department accordingly so that the necessary measures are taken against the employer.

The employee should be medically fit for the work he/she has been recruited to perform and should be free of diseases as shown by a medical certificate issued for each employee by one of the country’s competent medical authorities in accordance with the instructions issued in this connection.

The card is issued for three years, renewable for a similar period with the consent of both the employer and the employee. In this case, the labour card should be renewed within 50 days from its date of expiry. The labour card, however, may not be renewed after the lapse of the said period unless the employer has presented an excuse which is accepted by the ministry. In this case, the ministry will collect the determined fees as penalties for delaying the renewal of the labour card. The employee, however, may no be employed after the expiry of his/her own labour card.

The employee should undertake to pay the fees related to the employment contract and labour card and the penalties incurred by the non-issuance or non-renewal of the labour card within the given period. All employees should keep their labour cards when moving in the country.

Return to Home Country

As soon as the employment contract in the United Arab Emirates has expired, the employee should demand the employer to take the necessary arrangements for the employee to leave the country immediately; otherwise, the employee’s residence will be regarded as illegal.

The employer should take the following procedures:

The employer should cancel the labour card of the employee

The employer should bear the expenses of the employee’s return to his/her home country or any other destination that has been agreed to by the two parties.

In case the employee has joined a new employer after the work relation with the former employer has come to an end, the new employer will be bound to bear the employee’s travel expenses at the end of his service.

If the contract has been terminated for a reason related to the employee, the employee will be deported at his/her own expense, if he/she can afford for it.

In case of death, the employee’s body will be taken to home country at the employer’s expense.

GET AN ONLINE WORK PERMIT


Definition:

An establishment can submit an application form for an online work permit to recruit an employee from outside the country. This permit is processed instantly at the counter without having to be shown to the work permit committee, provided that the establishment is subject to inspection at a future date.

Beneficiaries:
  • - Minor establishments with limited number of employees.
  • - New establishments.
  • - An online work permit is issued in lieu of an already cancelled permit for all establishments excluding the contracting sector, maintenance, marine engineering services and cleaning services.
Conditions:
  • - The profession in which the employee will work for the employer should be in line with the establishment’s activity.
  • - The employee’s passport should be valid for minimum 6 months.
  • - The employee’s age should range between 18 and 60 years.
  • - All the employer’s establishments should have a violation-free record, which should contain no expired licences or labour cards.
  • - No more than 3 months should have lapsed from the date of cancellation in case the permit is issued in lieu of an already cancelled one.
  • - The original cancellation receipt sealed from the airport should be attached in case of a permit issued in lieu of an already cancelled one.
Required Documents:
  • - A copy of the establishment’s signature card.
  • - A copy of the employee’s passport.
  • - A photo of the employee.
  • - A copy of the valid licence.
  • - A copy of his driving licence in case the application form is for the job of a driver.
  • - Approval as per a letter issued by the Ministry of Health plus the academic degree in case the application form is for the job of a doctor, a pharmacist or a nurse or for other technical and medical professions.
  • - Approval as per a letter issued by the Ministry of Education in case the application form is for the job of a private sector teacher.
  • - Industrial production certificate issued by the Ministry of Finance and Industry in case of industrial licences.
  • - Copies of the academic degree attested by the competent authorities as per the ministry’s procedures.

N.B.

The transaction will be finalized instantly at the counter, either by being approved or returned in case of any shortages so that they are provided.

Fees:
  • - AED200 for an online work permit application form for all categories of establishments.
  • - For approval of an online work permit: AED 1,000 for an establishment from category (A), AED 2,000 from category (B) and AED 3,000 from category (C).
  • - For approval of an online work permit for those over 60 years of age including a one-year labour card: AED 500 for all categories of establishments.
  • - For a 10-day extension of an online work permit: AED 500.

OBTAIN A NEW LABOUR CARD


Introduction:

A labour card identifies an employee and his/her place of work. It should be obtained within 60 days from the date of arrival in the country and after medicals have been done. In case this is not followed, the employer will have to pay the incurred delay penalties.

Conditions:

The employer should not keep any expired labour cards or licences and should ensure that all his establishments have a violation-free record.

The employee’s salary in the establishment he/she is going to work for should be proportional to his/her profession in that establishment.

All the employer’s establishments should have been unified as per the ministry’s procedures.

Required documents:

A photo of the employee.

A copy of the establishment’s valid licence.

A copy of entry visa.

The employee’s valid health certificate.

A copy of signature card.

Three copies of employment contract, provided that they should bear the signatures of the employee and the employer as well as the establishment seal.

N. B.

A labour card is issued for two years (government employees for three years) renewable for a similar period with the consent of both the employer and the employee, in which case it should be renewed within 50 days from the date of expiry.

The employer should pay the fees related to the employment contract and labour card as well as the fines incurred by the non-issuance or non-renewal of the card within the given period.

Fees:

The labour card fees are included in the fees that have already been paid for obtaining a work permit.

OPEN A BANK ACCOUNT IN DUBAI


Criteria:

Opening a bank account in Dubai is very easy, although requirements vary from bank to bank. To open a current/checking account, you have to be a resident. However, some banks allow non-UAE residents to open saving accounts. Some banks set a minimum account/balance limit.

Documents Required:
  • Passport with residency (original and copy)
  • A letter of no-objection from the employer/sponsor
Procedure:

Carry the above mentioned documents to your nearest bank or to the bank of your choice.

  • You can find a list of the banks in the UAE here

GET A MOBILE PHONE CONNECTION IN DUBAI


There are two mobile service options available from both etisalat and du, and each depends on your needs/requirements: standard GSM (post-paid) and pre-paid mobile service. The biggest difference between the two operators is that du charges by the second, while etisalat charges per minute usage. Both mobile operators are governed by Telecommunications Regulatory Authority (TRA).

Because you pay in advance for pre-paid, you will always know how much you are spending. Both operators are also providing iPhone and Blackberry services on monthly payment plans for citizens and residents. From time to time, both operators also provide special discount and promotion schemes.

Visitors can also avail of temporary mobile services. For etisalat visitor services, see the Ahlan visitor package. For du visitor services see here.

To get an etisalat Mobile Phone Connection

Documents & Forms

Your passport copy with a valid residence visa stamp or a valid visit visa. Visit your nearest Etisalat office/business centre/authorized reseller.

Fees & Tariffs

To obtain SIM card: AED 165 (currently on promotion for AED 40 with free credit of AED 40)

Renewal fee annually: AED 50 (free for life renewal is now possible)

Local calls: 30 fils per minute for first 60 seconds.

From 61st second onwards:

15 fils for every 30 seconds (7am–2pm and 4pm–12am)

12 fils for every 30 seconds (2pm-4pm and 12am-7am)

Text Messaging Charges

Local number 18 fils per message

International number 60 fils per message

International Calls

International calls are charged at IDD rates.

Incoming Calls

These are free, unless you are abroad and using International Roaming. Click here for International Roaming List.

Replace lost SIM card online

Now you can replace lost, stolen or damaged etisalat SIM cards online for any of your mobile accounts for just AED 25. Your card will be delivered to your doorstep free of charge through etisalat’s authorized delivery agent. See how to apply online for a replacement SIM card.

Block spam and promotional SMS

While TRA regulations allow authorized advertising SMS between 7 am and 9 pm everyday, you can opt-out of spam providers by sending an SMS to etisalat or du.

To unsubscribe from promotional marketing via etisalat, send an SMS with message 'b etisalat' to 1011.

To unsubscribe from promotional marketing via du, send a blank SMS to 5293.

For more information, visit Etisalat website or Du website

REGISTER YOUR RENTAL CONTRACT IN DUBAI WITH EJARI


The Real Estate Regulatory Agency (RERA) of Land Department has made it mandatory for all rental contracts to be registered through its arm called Ejari (Arabic for ‘my rent’). Rental contracts can be registered by either the landlord or the tenant, or both parties without the need to consult each other.

in case of any dispute between tenant and landlord, you will need to approach the Rent Committee at Dubai Municipality, who require a registered rental contract from RERA, before settling the dispute.

Requirements

Copies of personal documents of tenant. This includes taking original and copies of Emirates ID, passport and valid residence visa

Original Tenancy contract

Recent DEWA bill (Green/electronic bill is acceptable)

Copy of title deeds of the property (if company owned)

Copies of personal documents of landlord (if individual)

Trade license (if tenant is a company)

Fees

AED 195

Procedure

RERA has authorized more than 70 typing centres where you can submit your documents and get your Ejari done. Some centres also allow you to upload your documents and get the Ejari contract by email, but please check their additional rates for this.

For more information, please visit www.ejari.ae or call 04-2030541.

SETTLE A RENTAL DISPUTE AT DUBAI'S RENTAL DISPUTE SETTLEMENT CENTRE


Important Update: Dubai's Rental Dispute Settlement Centre located at Dubai Land Department has replaced the earlier Dubai Municipality Rent Committee effective from 17/11/2013.

If either tenant or landlord has a dispute over rent, which cannot be negotiated themselves, the legal option is to bring the case to RDSC. HH Sheikh Mohammed Bin Rashid Al Maktoum, in his capacity as Ruler of Dubai has established the RDSC through Decree No. 26 for 2013. RDSC based at Dubai's Land Department replaces the earlier Dubai Municipality Rent Committee for rental disputes in Dubai. RDSC is is authorized by Dubai Government to provide a judicial system that can deal with rental disputes and settle legal issues in a quick, transparent and professional manner.

RDSC promises simplified procedures with most rental disputes being judged within 75 days. The Centre will handle most rental disputes for the Emirate of Dubai including Dubai free zones, unless such disputes have been assigned to special judicial committees or courts. Also RDSC will not look into rent disputes arising from finance lease contracts or long-term lease contracts covered by the provisions of Law No. 7 of 2006 for real estate registration in Dubai.

RDSC includes four departments: Arbitration & Reconciliation Department, Department of First Instance, Department of Appeal and Law Enforcement Department.

First the Arbitration Department will try to settle disputes amicably within 15 days. If not successful, a lawsuit has to be lodged with the Department of First Instance, which will try to settle the dispute within 30 days with rulings final unless appealed to the Department of Appeal, and only for claims worth more than AED 100,000; and issue a verdict within 30 days.

RDSC Fees & Documents

Plaintiff to pay 3.5% of annual rent with a minimum of AED 350 and a maximum ceiling of AED 20,000

Other fees may be levied by RDSC on plaintiff for summoning experts, payment of expert’s fee, fee for deposit of rent with RDSC etc

You may have to separately pay for a newspaper advertisement in a local newspaper, in case the defendant fails to show up for a committee hearing.

The plaintiff will also need to submit:

Plaintiff name with designation (either lessor, lessee, landlord or occupant) with current address

The facts of the dispute

Original tenancy contract

Notarized PoA (Power of Attorney) in favour of person authorized to represent the plaintiff

Copies of cheques, if any, that were submitted to the landlord.

(Note:For plaintiffs who are tenants, but cannot submit the original tenancy contract with the new rent terms, due to refusal from the landlord; you can fax a request to the landlord and submit the fax receipt as proof to RDSC.)

Location of RDSC

Dubai Land Department

Telephone: 800-4488

Working hours: 7.30 am -2.30 pm. Also evening from 4.30 pm on appointments.

Also see:

Settling a rent dispute through Dubai's Courts - Dubai.ae

KNOWING IMPORTANT NUMBERS IN DUBAI


To ensure your consumer rights, safety and protection in Dubai, here are the most important Dubai numbers.

Vital Emergency Numbers in Dubai

Police

999

Fire Department 997

Ambulance 999

Electricity 991

Water 991