Mortgage registration (deferred sale or Oqood)
Registers a mortgage on a deferred-sale or Oqood property 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 mortgagee bank
originalThree mortgage contracts certified by the bank and signed by both parties
originalElectronic no-objection certificate (e-NOC) from the developer (requested through the Dubai REST app)
copyEmirates 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
- The developer must agree (e-NOC) for an off-plan unit.
- Processing time
- Same day once the bank's documents are ready (DLD lists 20-25 minutes for mortgage registration).
- Validity of the result
- Until the mortgage is released; on handover it moves to the final title deed.
- Where it is applied for
- Real Estate Registration Trustee offices, or the bank itself through the DLD online mortgage system.
Steps at the authority
- Client gets final loan approval, the signed mortgage contracts and the developer's e-NOC.
- 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
- Ask your bank whether it registers the mortgage online itself; then you may not need a trustee visit.
Common reasons for rejection or delay
- Developer e-NOC missing.
- Mortgage contracts not certified by the bank or not signed by both parties.
Questions and answers
How much is the DLD fee on a AED 800,000 off-plan loan?
0.25% = AED 2,000, plus AED 20 and, at a trustee office, AED 5,000 + VAT. Our staff confirm the total.
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.
Official sources
Legal basis
Dubai Law No. 14 of 2008 concerning Mortgages; Dubai Law No. 13 of 2008 regulating the Interim Real Property Register; Dubai Law No. 7 of 2006 concerning Real Property Registration
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
Obtains a to-whom-it-may-concern letter about your property from the Dubai Land Department.
Property details certificate
Obtains an official certificate of your property's registered details from the Dubai Land Department.
Land map (affection plan)
Obtains the land map (affection plan) showing your plot details from the Dubai Land Department.