Sources for every rule on our UAE pages

Updated 22 Oct 2026

Every number on our UAE pages comes from a rule with its source and the date we last checked it. This page lists those source documents, grouped by the page that uses them. A source that is not an official page is labelled as an estimate. The rules themselves, word for word, are in the “Sources” box at the bottom of each page.

Not a valid document. Estimate for information only — not financial advice, not an offer of credit and not a bank document. Errors are possible. Only your bank's or finance company's official offer letter, contract and statements are binding.

Loan calculator UAE: personal loan, car loan and mortgage

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 5 rules, checked 2026-10-19
e.g. All your instalments together may not exceed 50% of your gross salary and …
rulebook.centralbank.ae › article-3-important-ratios — 1 rule, checked 2026-10-19
e.g. A mortgage can run for at most 25 years.

Buying a home in the UAE: the cash you need on the day

dubailand.gov.ae › property-sale-registration — 7 rules, checked 2026-10-19
e.g. Dubai Land Department transfer fee: 4% of the price — officially 2% seller …
dubailand.gov.ae › request-for-mortgage-registration — 3 rules, checked 2026-10-19
e.g. Mortgage registration: 0.25% of the mortgage amount, plus AED 250 title deed …
u.ae › leasing-a-property-in-the-uae — 1 rule, checked 2026-10-19
e.g. Dubai: tenants pay a housing fee to Dubai Municipality of 5% of the yearly …
dubailand.gov.ae › first-time-home-buyer-overview — 3 rules, checked 2026-10-19
e.g. Dubai First-Time Home Buyer Programme: for UAE residents aged 18 or over who …
dewa.gov.ae › move-in — 5 rules, checked 2026-10-19
e.g. DEWA activation charge: AED 125 for connecting electricity and water with …
rulebook.centralbank.ae › article-3-important-ratios — 9 rules, checked 2026-10-19
rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 1 rule, checked 2026-10-19
services.dari.ae › registration-of-sale-and-purchase-of-land-and… — 2 rules, checked 2026-10-19
e.g. Abu Dhabi: real estate registration fee 2% of the contract value, plus an …
services.dari.ae › register-a-property-mortgage-contract-2 — 2 rules, checked 2026-10-19
e.g. Abu Dhabi: mortgage registration 0.1% (0.05% for government housing loans), …
shjrerd.gov.ae › services?search=بيع — 4 rules, checked 2026-10-19
e.g. Sharjah: the buyer pays 2% of the property value plus AED 520.50 for the …
shjrerd.gov.ae › services — 2 rules, checked 2026-10-19
e.g. Sharjah: mortgage registration 0.5% of the mortgage amount plus AED 520.50 …
ajman.ae › 3162 — 5 rules, checked 2026-10-19
e.g. Ajman: sale registration 2% of the value (minimum AED 2,500) for UAE and GCC …
ajman.ae › 3200 — 1 rule, checked 2026-10-19
e.g. Ajman: the official mortgage registration page does not show a clear fee, so …
sanad.mun.rak.ae › services-card-arabic-temp-28 — 3 rules, checked 2026-10-19
e.g. Ras Al Khaimah: 2% of the market value on the buyer and 2% on the seller, …
ld.uaq.ae › services.html — 1 rule, checked 2026-10-08
e.g. Umm Al Quwain: the land department lists its services but publishes no fees, …
portal.fujmun.gov.ae › service_information.aspx — 1 rule, checked 2026-10-19
e.g. Fujairah: the municipality says the fee for registering a sale is calculated …
u.ae › expatriates-buying-a-property-in-the-uae — 1 rule, checked 2026-10-19
e.g. Foreign buyers can own property only in the areas each emirate has opened to …

Rental yield and ROI calculator: buy to let in the UAE

rulebook.centralbank.ae › article-3-important-ratios — 5 rules, checked 2026-10-19
mof.gov.ae › Cabinet-Decision-No.-49-of-2023.pdf — 1 rule, checked 2026-10-19
e.g. Rent from property you own as a private person, without a business licence, …
tax.gov.ae › VAT-Decree-Law-No-8-of-2017.pdf — 1 rule, checked 2026-10-20
e.g. Renting out a home is exempt from VAT, so no VAT is added to residential …
dubailand.gov.ae › register-renew-ejari-contract — 1 rule, checked 2026-10-19
e.g. Dubai: registering a lease in Ejari costs AED 177.75 online (AED 100 + AED …
dlp.dubai.gov.ae › Law No. (26) of 2007.html — 1 rule, checked 2026-10-19
e.g. Dubai (Law No. 26 of 2007, Art 22): unless the lease says otherwise, the …
u.ae › leasing-a-property-in-the-uae — 1 rule, checked 2026-10-19
adrec.gov.ae › 503822FDAC82458AA6CB89BAF21C15E1.ashx — 1 rule, checked 2026-10-19
e.g. Abu Dhabi: tenants pay a yearly municipality fee of 5% of the rental value …
sanad.mun.rak.ae › الاسئلة-الشائعة — 1 rule, checked 2026-10-19
e.g. Ras Al Khaimah: the tenant pays an attestation fee of 5% of the yearly rent …
sgmb.ae › حاكم-الشارقة-يصدر-قانونا-بشأن-تأجير-العقارات-… — 1 rule, checked 2026-10-19
e.g. Sharjah: the landlord pays the fee for certifying the lease, so it is not a …
ajman.ae › 3465 — 1 rule, checked 2026-10-19
e.g. Ajman: attesting a home lease costs 2% of the rental value for expatriates …
dubailand.gov.ae › property-sale-registration — 7 rules, checked 2026-10-19
rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 1 rule, checked 2026-10-19
services.dari.ae › registration-of-sale-and-purchase-of-land-and… — 2 rules, checked 2026-10-19
services.dari.ae › register-a-property-mortgage-contract-2 — 2 rules, checked 2026-10-19
shjrerd.gov.ae › services?search=بيع — 4 rules, checked 2026-10-19
shjrerd.gov.ae › services — 2 rules, checked 2026-10-19
ajman.ae › 3162 — 5 rules, checked 2026-10-19
sanad.mun.rak.ae › services-card-arabic-temp-28 — 3 rules, checked 2026-10-19
dubailand.gov.ae › request-for-mortgage-registration — 3 rules, checked 2026-10-19
dewa.gov.ae › move-in — 5 rules, checked 2026-10-19

Buying a home in Dubai: every cost

dubailand.gov.ae › first-time-home-buyer-overview — 3 rules, checked 2026-10-19
dewa.gov.ae › move-in — 5 rules, checked 2026-10-19
rulebook.centralbank.ae › article-3-important-ratios — 6 rules, checked 2026-10-19
dubailand.gov.ae › property-sale-registration — 2 rules, checked 2026-10-19
dubailand.gov.ae › request-for-mortgage-registration — 1 rule, checked 2026-10-19

Flat rate to real rate converter (UAE)

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 2 rules, checked 2026-10-19
rulebook.centralbank.ae › additional-clarifications-regulation-no-29201… — 1 rule, checked 2026-10-19
e.g. Banks may defer up to two instalments a year, at their discretion.

Personal loan calculator UAE: EMI, interest and real rate

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 11 rules, checked 2026-10-19 to 2026-10-21
rulebook.centralbank.ae › additional-clarifications-regulation-no-29201… — 1 rule, checked 2026-10-19

Car loan calculator (UAE)

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 4 rules, checked 2026-10-19
rulebook.centralbank.ae › additional-clarifications-regulation-no-29201… — 1 rule, checked 2026-10-19

Zero down payment car finance (UAE): what it really costs

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 4 rules, checked 2026-10-19

0% car finance or cash discount? (UAE)

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 3 rules, checked 2026-10-19

Lease to own a car (UAE): what it really costs

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 3 rules, checked 2026-10-19

Mortgage calculator: your monthly payment (UAE & Dubai)

rulebook.centralbank.ae › article-3-important-ratios — 13 rules, checked 2026-10-19
rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 2 rules, checked 2026-10-19
dubailand.gov.ae › property-sale-registration — 7 rules, checked 2026-10-19
dubailand.gov.ae › request-for-mortgage-registration — 3 rules, checked 2026-10-19
centralbank.ae › eibor-rates — 1 rule, checked 2026-10-18
e.g. 3-month EIBOR fixing of 16 October 2026: 4.20500% (Central Bank of the UAE).
services.dari.ae › registration-of-sale-and-purchase-of-land-and… — 2 rules, checked 2026-10-19
services.dari.ae › register-a-property-mortgage-contract-2 — 2 rules, checked 2026-10-19
shjrerd.gov.ae › services?search=بيع — 4 rules, checked 2026-10-19
shjrerd.gov.ae › services — 2 rules, checked 2026-10-19
ajman.ae › 3162 — 5 rules, checked 2026-10-19
sanad.mun.rak.ae › services-card-arabic-temp-28 — 3 rules, checked 2026-10-19
dewa.gov.ae › move-in — 5 rules, checked 2026-10-19

Remortgage calculator: stay, re-fix or move bank (UAE)

centralbank.ae › eibor-rates — 2 rules, checked 2026-10-18 to 2026-10-19
rulebook.centralbank.ae › article-4-disclosure-and-transparency — 2 rules, checked 2026-10-19
e.g. Refinancing a mortgage with another bank must not be blocked; the most the …
rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 3 rules, checked 2026-10-19
dubailand.gov.ae › request-for-mortgage-transfer — 2 rules, checked 2026-10-19
e.g. Dubai: moving a mortgage to a new bank costs 0.25% of the mortgage value, …
services.dari.ae › registration-of-sale-and-purchase-of-land-and… — 2 rules, checked 2026-10-19
services.dari.ae › register-a-property-mortgage-contract-2 — 2 rules, checked 2026-10-19
shjrerd.gov.ae › services — 1 rule, checked 2026-10-19
rulebook.centralbank.ae › article-1-definitions-43 — 1 rule, checked 2026-10-19
e.g. Loan-to-value means the loan outstanding against the bank's valuation of the …
dubailand.gov.ae › property-sale-registration — 1 rule, checked 2026-10-19

Rent or buy a home in the UAE: calculator

dubailand.gov.ae › rental-increase-decree-43-in-dubai.pdf — 1 rule, checked 2026-10-19
e.g. Dubai (Decree No. 43 of 2013): at renewal the rent may rise only if it is …
dlp.dubai.gov.ae › Law No. (33) of 2008 Amending Law No. (26) of… — 1 rule, checked 2026-10-19
e.g. Dubai (Law No. 33 of 2008): to change the rent or any other term at renewal, …
u.ae › leasing-a-property-in-the-uae — 1 rule, checked 2026-10-19
adrec.gov.ae › press-release-26---rental-freeze-update — 1 rule, checked 2026-10-19
e.g. Abu Dhabi: since 3 June 2026 lease renewals are processed at a 0% rent …
adrec.gov.ae › 503822FDAC82458AA6CB89BAF21C15E1.ashx — 2 rules, checked 2026-10-19
sgmb.ae › حاكم-الشارقة-يصدر-قانونا-بشأن-تأجير-العقارات-… — 2 rules, checked 2026-10-19
sanad.mun.rak.ae › الاسئلة-الشائعة — 2 rules, checked 2026-10-19
sanad.mun.rak.ae › شروط-وأحكام-عقد-الإيجار-في-رأس-الخيمة — 1 rule, checked 2026-10-19
e.g. Ras Al Khaimah (standard lease terms): the rent may not be raised until at …
ajman.ae › 3465 — 1 rule, checked 2026-10-19
dubailand.gov.ae › property-sale-registration — 7 rules, checked 2026-10-19
rulebook.centralbank.ae › article-3-important-ratios — 2 rules, checked 2026-10-19
rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 1 rule, checked 2026-10-19
services.dari.ae › registration-of-sale-and-purchase-of-land-and… — 2 rules, checked 2026-10-19
services.dari.ae › register-a-property-mortgage-contract-2 — 2 rules, checked 2026-10-19
shjrerd.gov.ae › services?search=بيع — 4 rules, checked 2026-10-19
shjrerd.gov.ae › services — 2 rules, checked 2026-10-19
ajman.ae › 3162 — 5 rules, checked 2026-10-19
sanad.mun.rak.ae › services-card-arabic-temp-28 — 3 rules, checked 2026-10-19
dubailand.gov.ae › request-for-mortgage-registration — 3 rules, checked 2026-10-19
dewa.gov.ae › move-in — 5 rules, checked 2026-10-19

Personal loan buy-out: is moving your loan worth it? (UAE)

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 10 rules, checked 2026-10-19
rulebook.centralbank.ae › article-7-responsible-financing-practice — 2 rules, checked 2026-10-19
e.g. When a bank offers a loan to consolidate or refinance your existing loans, …

Credit card minimum payment: what it really costs (UAE)

rulebook.centralbank.ae › article-2-disclosure-and-transparency — 2 rules, checked 2026-10-19
e.g. No Central Bank rule sets a minimum payment for credit cards: each bank …
rulebook.centralbank.ae › article-7-responsible-financing-practice — 4 rules, checked 2026-10-19
rulebook.centralbank.ae › article-6-interest — 2 rules, checked 2026-10-19
e.g. Cash withdrawn on a credit card is charged interest from the day of the …
rulebook.centralbank.ae › appendix-no-2 — 1 rule, checked 2026-10-19
e.g. A late payment fee on a credit card is capped at AED 230 (plus VAT). Other …
rulebook.centralbank.ae › article-5-credit-cards — 2 rules, checked 2026-10-19
e.g. A credit card may only be issued to someone with a yearly income of at least …
rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 1 rule, checked 2026-10-19

How much credit card limit can I get in the UAE?

rulebook.centralbank.ae › article-5-credit-cards — 6 rules, checked 2026-10-19
rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 4 rules, checked 2026-10-19
rulebook.centralbank.ae › article-7-responsible-financing-practice — 3 rules, checked 2026-10-19

Credit card annual fee: is it worth it? (UAE)

rulebook.centralbank.ae › appendix-no-2 — 1 rule, checked 2026-10-19
rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 1 rule, checked 2026-10-19
rulebook.centralbank.ae › article-7-responsible-financing-practice — 2 rules, checked 2026-10-19
rulebook.centralbank.ae › article-6-interest — 1 rule, checked 2026-10-19
rulebook.centralbank.ae › article-5-credit-cards — 1 rule, checked 2026-10-19

Early settlement calculator (UAE): car, personal and home loans

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 6 rules, checked 2026-10-19
rulebook.centralbank.ae › article-4-disclosure-and-transparency — 1 rule, checked 2026-10-19

How much can I borrow in the UAE? Loan eligibility and DBR calculator

rulebook.centralbank.ae › regulation-no-292011-regarding-bank-loans-oth… — 6 rules, checked 2026-10-19
rulebook.centralbank.ae › article-3-important-ratios — 5 rules, checked 2026-10-19

UAE golden visa through property: AED 2 million, mortgages and off-plan

icp.gov.ae › uae-golden-residency — 6 rules, checked 2026-10-19
e.g. Golden residence for a real-estate investor: one or more properties in the …
dubailand.gov.ae › request-for-golden-visa-investor — 4 rules, checked 2026-10-19
e.g. Dubai Land Department: the property's purchase value at the time of purchase …
gdrfad.gov.ae › 8ea80da4-f43e-11eb-0320-0050569629e8 — 4 rules, checked 2026-10-19
e.g. Dubai (GDRFA): the property value is certified by a Dubai Land Department …
added.gov.ae › visa-for-real-estate-investors — 2 rules, checked 2026-10-19
e.g. Abu Dhabi: a mortgage through a national bank is allowed, but your own …
rulebook.centralbank.ae › article-3-important-ratios — 7 rules, checked 2026-10-19