Agree the commercial terms first
Record the property details, agreed price, deposit, completion date, included items and any conditions. Use the correct official forms or a professionally reviewed agreement for the relevant emirate.
Prepare the property documents
Gather ownership details, identification, service-charge statements, tenancy information if occupied, and any required developer or community documents. Confirm whether there are outstanding amounts or restrictions.
If the seller has a mortgage
Ask the lending bank for its liability letter and settlement process. The bank may require a buyer's bank or cash settlement arrangement, and the mortgage release and transfer must be coordinated. Obtain written instructions from the bank before agreeing a completion date.
If the buyer needs a mortgage
The buyer will usually need lender approval and a valuation. The bank's conditions and timing can affect the transaction. Do not assume a pre-approval guarantees funds will be released.
NOC, clearances and transfer
Depending on the emirate and property, a developer or community NOC, service-charge clearance, mortgage release and land registration appointment may be required. Confirm the current checklist with the relevant authority.
Get independent document support
A private sale does not remove the need for accurate paperwork. Consider a qualified conveyancing professional or UAE lawyer to review the MOU, payment flow and mortgage arrangements.