Agent commission
The selling agent's fee, typically 2% of the sale price plus VAT, paid by the seller. It's usually the largest single deduction from your gross sale price.
Dubai sale net proceeds calculator
Selling a Dubai property? Move the sliders to see what you actually walk away with after the agent commission, the mortgage payoff and its settlement fee, and the NOC and trustee costs.
Your sale
AED
%
AED
AED
AED
Set the mortgage to 0 for an unencumbered sale. Early-settlement fees are capped by CBUAE at 1% of the outstanding balance (max AED 10,000).
What you walk away with
AED 850,000
47.2% of the sale price
- Agent commission
- AED 36,000
- Mortgage settled
- AED 900,000
- Early-settlement fee
- AED 9,000
- Other costs
- AED 5,000
- Total deductions
- AED 950,000
- Net proceeds
- AED 850,000
Indicative only. The 4% DLD fee is paid by the buyer, not the seller, so it isn’t deducted here. Confirm your mortgage payoff figure and any NOC and trustee charges with your bank and the developer.
What the numbers mean
Mortgage settlement
If the property is mortgaged, the outstanding balance is repaid from the sale proceeds before you receive anything. The bank issues a liability letter with the exact payoff figure for the transfer.
Early-settlement fee
Repaying a mortgage early triggers a settlement fee — CBUAE caps it at 1% of the outstanding balance or AED 10,000, whichever is lower. It applies whenever you clear the loan ahead of term, including on a sale.
Three realities to keep in mind
The buyer pays the 4% DLD fee
The headline 4% transfer fee is a buyer cost, so it isn't deducted from your proceeds. Your side is the agent commission, the mortgage payoff, the NOC, and trustee-office charges.
NOC and trustee costs are small but real
The developer's No-Objection-Certificate fee and the registration trustee-office charge are modest fixed amounts, but they come out of your proceeds — include them rather than rounding to zero.
Underwater sales need cash
If the sale price doesn't cover the mortgage payoff plus costs, you must bring the shortfall in cash to complete the transfer. The calculator flags this so there's no surprise at the trustee office.