Every cost, broken down
Costs differ depending on whether you buy off-plan (from a developer) or on the secondary market (resale). Switch below to see your route.
Figures are typical market rates as of 2026 and can vary by developer, bank, and building. Always confirm exact numbers with your agent before transferring funds.
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Estimated Total Cost
Kate vs. Tom
Same budget, AED 750,000. Two completely different paths. Here's exactly what each of them paid and when.
Kate, 29 — Cabin Crew
Kate bought a 1BR in Sobha Hartland straight from the developer, still under construction. She paid a 20% down payment, then smaller installments tied to construction milestones over 3 years, with the rest due on handover. No agency commission — the developer covered that. Her monthly outlay was small enough to keep saving alongside it.
Tom, 34 — First-Time Investor
Tom bought a ready 1BR resale in Business Bay, mortgaged at 75% LTV. He needed the 25% deposit plus DLD fee, agency commission, and registration costs all upfront — a bigger day-one number than Kate's, but he had keys and a tenant lined up within 6 weeks.
Your buying checklist
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Tips that actually matter
The things I tell every client, whether they end up buying off-plan or resale.