Buying Property

What Happens After You Choose a Property With Your Agent?

Choosing a property is an exciting milestone, but it is only the beginning of the transaction. The next steps depend on whether the property is ready or off-plan, financed or cash, and which emirate's procedures apply.

Buying Property

Confirm the details

Check the unit number, price, inclusions, parking, condition, tenure and any agreed repairs or furnishings. Make sure the details match the listing and the written offer.

Make and negotiate the offer

Your agent can communicate the offer and help clarify terms, but make sure all agreed points are recorded in writing. Do not rely on verbal promises about fixtures, completion dates or payment arrangements.

Review the documents

For a ready property, request the ownership and property details and identify any mortgage, tenant or service-charge issues. For off-plan, read the SPA, payment schedule, completion provisions, project details and resale restrictions before signing.

Understand the deposit and payment process

Confirm who is entitled to receive each payment, the account details, deadlines and refund conditions. Verify payment instructions independently and retain receipts. Never transfer money to an account simply because it was sent in an informal message.

Mortgage and valuation

If borrowing, obtain a formal approval and confirm the valuation, loan-to-value, fees, insurance and conditions. A preliminary pre-approval is not the same as final mortgage approval.

Transfer, handover and keys

The completion process may involve clearances, NOCs, registration or transfer appointments, final inspection and handover. The sequence differs by emirate and transaction type, so ask for a written checklist and timeline.

Important: This article is general educational information, not legal, mortgage, tax or investment advice. Laws, fees and procedures can change and may differ between emirates, projects and individual contracts. Verify current requirements with the relevant authority and obtain independent professional advice before making a decision.

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