Lease-to-own registration (normal or development title deed)
Registers a lease-to-own (Ijarah) arrangement on a normal or development 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
Lease letter from the bank showing the rental (financing) amount and the start and expiry dates
originalElectronic no-objection certificate (e-NOC) from the developer (requested through the Dubai REST app)
in some casescopyOnly if: Needed for properties in freehold areas (and off-plan/Oqood units).Emirates ID of the seller and the buyer (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 company buyer must first be registered in the DLD system.
- Processing time
- DLD: 15 minutes at most at the trustee office once the bank's letter is ready.
- Validity of the result
- Until the lease-to-own is released after the last payment (separate release service).
- Where it is applied for
- Real Estate Registration Trustee offices (in person). All outputs are electronic.
Steps at the authority
- Client gets final Islamic home-finance (Ijarah) approval and the bank's lease letter; seller and buyer prepare the sale documents.
- 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
- Banks do not usually finance the DLD fees; budget the 4% + 0.25% + trustee fee in cash.
Common reasons for rejection or delay
- Bank lease letter missing the rental amount or the start/expiry dates.
- Developer e-NOC missing.
Questions and answers
Is lease to own the same as a mortgage at DLD?
No. With a mortgage you are the owner and the bank holds a mortgage; with lease to own the bank's right is registered as an Ijarah and you become the full owner after the release. The fees are similar (0.25% of the financed amount).
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; Dubai Law No. 14 of 2008 concerning Mortgages (financing rights)
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