Finance lease (normal title deeds only)
Registers a finance lease on a property held under a normal title deed with the Dubai Land Department.
How it works
- 1
Documents
You
- 2
Reviewed by MARIO E.G.S.H AI
MARIO E.G.S.H AI
- 3
Registered at trustee office
Runner at DLD
- 4
Title deed issued
DLD
Documents required
Letter from the financing entity showing the start and expiry dates and the lease amount
originalEmirates ID of the owner (shown for identification only; no copy is taken) or a valid passport for non-resident foreigners
originalLegal power of attorney, if someone acts for a party
in some casesoriginalattestedlegal Arabic translationOnly if: Only when a representative attends; it must expressly cover this transaction on this property. A POA made abroad must be attested and legally translated into Arabic.If a party is a company: trade licence (with the partners page), memorandum of association with annexes (MOFA-attested with Arabic translation), job-title certificate of the signatory, and a POA or notarised board resolution
in some casesoriginalattestedlegal Arabic translationOnly if: Only when the owner or buyer is a company. A company that is not yet registered in the DLD system must first be registered (separate company-registration service).
Conditions, time and validity
- A finance lease (Ijarah finance) is registered on a property with a normal title deed only.
- Processing time
- DLD: 30-35 minutes at the trustee office.
- Validity of the result
- Until the finance lease is released.
- Where it is applied for
- Real Estate Registration Trustee offices (in person). All outputs are electronic.
Steps at the authority
- Client gets the financing approval and the financier's letter.
- Our centre checks the file and submits it at a Real Estate Registration Trustee office; all documents are uploaded to the DLD digital vault.
- The fees are paid (e-pay, Dubai Pay, Noqodi or a manager's cheque to DLD) and a receipt is issued.
- DLD audits and registers the transaction; the updated title deed / certificate is sent by email.
Tips that save you a trip
- Budget the 0.25% and the AED 4,200 trustee fee in cash; banks usually do not finance them.
Common reasons for rejection or delay
- Property is not a normal title deed (e.g. off-plan or usufruct).
- Financier's letter missing the dates or amount.
Questions and answers
How is a finance lease different from lease to own?
Lease to own is registered when buying (bank buys and leases to you); a finance lease is registered on a property you already own with a normal title deed, to secure financing. Our staff confirm which one your bank uses.
Checked by the MARIO E.G.S.H team on 2026-10-08. Rules can change at any time; our consultant confirms the details for your case.
Legal basis
Dubai Law No. 7 of 2006 concerning Real Property Registration in the Emirate of Dubai
Related services
Data update
Updates your registered data in the Dubai Land Department's records, at the centre or online.
To whom it may concern letter
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Property details certificate
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Land map (affection plan)
Obtains the land map (affection plan) showing your plot details from the Dubai Land Department.