About Dubai Numerics
Dubai Numerics provides independent calculators and practical tools for understanding Dubai property costs. Calculations use published official sources where they apply; costs that depend on the specific transaction, such as agency, bank and conveyancing charges, can vary and are entered by you.
We are not an estate agent, mortgage broker, bank or financial adviser, and we are not a government website or affiliated with the Dubai Land Department.
Who we are
Dubai Numerics is built and maintained by a small independent team of developers and researchers. We started it because the real cost of a Dubai property decision is spread across government fee schedules, Central Bank regulations and bank and developer terms, and most explanations online mix those up or leave them undated.
The calculators do not promote any agent, developer or bank, and figures are never changed for one. The site is free to use and needs no account. If we ever add advertising, it will be clearly separated from the content, and the privacy page will be updated before it goes live.
How we work
- 01
Official sources first
Statutory and regulatory fees are taken from legislation and government authorities: Dubai legislation, the Dubai Land Department, the Central Bank of the UAE and the Federal Tax Authority. We do not use property blogs as the authority for a statutory fee.
- 02
Nothing assumed that varies
Agency commission, bank valuation and processing fees, and conveyancing fees depend on the provider. The calculators never add them silently; you enter the amounts you have been quoted.
- 03
Every figure explained
Results show each fee on its own line with how it was calculated, so you can check the total yourself.
- 04
Tested calculations
The calculation logic is kept separate from the page, uses exact whole-fils arithmetic and is tested against fixed scenarios before any change is published.
- 05
Reviewed and dated
Each fee records the date it was last checked against its source. When an official fee changes, it is updated in one place and applied everywhere.
How we check the figures
- We read each rule in the official text itself, such as the DLD service page, the Dubai legislation portal or the CBUAE Rulebook, not in a summary of it.
- Where sources disagree, or a page does not say who pays a fee, we say so on the page instead of guessing.
- Figures that banks, agents or developers set are labelled as such, and typical market practice is never presented as a rule.
- Worked examples and FAQ figures are produced by the same calculation code as the calculators, so a fee change updates every page at once.
- If we cannot verify a figure from its official source, we leave the amount out and point you to the source.
Corrections
If a fee has changed or something looks wrong, please tell us. We check every report against the official source, fix confirmed errors in the shared configuration so they are corrected everywhere, and update the review date shown on the page.
Calculators
Sources we rely on
Every official source used anywhere on the site, with the date we last read it.
- Central Bank of the UAERegulation No. 29/2011 Regarding Bank Loans & Other Services Offered to Individual Customers (opens in a new tab)
- Central Bank of the UAERegulations Regarding Mortgage Loans, Article (3): Important Ratios (opens in a new tab)
- Central Bank of the UAEBoard of Directors' Resolution No. 31/2/2020 Amending Circular No. 31/2013 (first-home LTV) (opens in a new tab)
- Central Bank of the UAERegulations Regarding Mortgage Loans (Circular 31/2013, as amended) (opens in a new tab)
- Central Bank of the UAEAmendments to Appendix 2 of Regulation No. 29/2011: Maximum Limits for Fees (Notice 3986/2019) (opens in a new tab)
- Central Bank of the UAEAmendments to Appendix 2 of Regulation No. 29/2011 and the Consumer Protection Standards (Notice 2535/2022) (opens in a new tab)
- Dubai Land DepartmentProperty Sale Registration (opens in a new tab)
- Dubai Land DepartmentMortgage Registration (opens in a new tab)
- Dubai Land DepartmentRegistering the Sale of a Mortgaged Property (opens in a new tab)
- Dubai Land DepartmentElectronic No Objection Certification (eNOC) (opens in a new tab)
- Dubai Land DepartmentService Charge Index (opens in a new tab)
- Dubai Land DepartmentRental Index (opens in a new tab)
- Dubai Land DepartmentRequest to Register the Initial Sale (Oqood) (opens in a new tab)
- Dubai Land DepartmentRequest for Termination of Initial Registration (opens in a new tab)
- Dubai Land DepartmentRegister / Renew Tenancy Contract (Ejari) (opens in a new tab)
- Dubai Legislation PortalExecutive Council Resolution No. (30) of 2013 Approving Fees of the Land Department (opens in a new tab)
- Dubai Legislation PortalLaw No. (6) of 2019 Concerning Ownership of Jointly Owned Real Property (opens in a new tab)
- Dubai Legislation PortalDecree No. (43) of 2013 Determining Rent Increase for Real Property (opens in a new tab)
- Dubai Legislation PortalLaw No. (13) of 2008 Regulating the Interim Property Register in the Emirate of Dubai (opens in a new tab)
- Dubai Legislation PortalLaw No. (8) of 2007 Concerning Escrow Accounts for Real Estate Development in the Emirate of Dubai (opens in a new tab)
- Dubai Legislation PortalLaw No. (26) of 2007 Regulating the Relationship between Landlords and Tenants in the Emirate of Dubai (opens in a new tab)
- Dubai Legislation PortalLaw No. (33) of 2008 Amending Law No. (26) of 2007 (opens in a new tab)
- Dubai MunicipalityDubai Municipality Services: Adjust Housing Fees (leased or owned units) (opens in a new tab)
- Federal Tax AuthorityWhat is the standard rate of VAT in the UAE? (opens in a new tab)
- Federal Tax AuthorityFinancial Services VAT Guide (VATGFS1) (opens in a new tab)
- Federal Tax AuthorityReal Estate VAT Guide (VATGRE1) (opens in a new tab)
- UAE Government portal (u.ae)Leasing a property in the UAE (housing fees in Dubai) (opens in a new tab)